23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX I received a letter from Convergent Consulting , Inc regarding a debt that is not mine. In this letter it clearly states that Convergent Consulting , Inc and XXXX XXXX can not report this debt to any credit reporting agency. I am going through the fraud channels that they have directed to me to but told me repeatedly that this debt can be reported on my credit report. That clearly contradicts the letter I received and since this debt is not mine to begin with it is very troubling that they will mail me one thing and say another. At the moment the debt in question is not on my credit report ( Debt is dated XX/XX/XXXX from what they told me ). I would like confirmation of what I was told in this letter while I go through the fraud channels given to me
Product: Debt collection

Midland Credit Management has used scare tactics and left numerous phone messages and texts stating " I have only one hour to respond ... Legal action was in force,,, possible jail time ... taking of personal property '' messages like this on a daily basis. I am also due a court date XX/XX/XXXX via XXXX. but I only live on social security check, unable to work, health issues, dont even have a car. They have scared me thinking they are coming to my house to scare me or hurt me. I am in fear. I am a senior citizen at XXXX and have health problems and financial indigent. The phone numbers they call and text and leave messages are : XXXX, XXXX, XXXX. XXXX, XXXX. I have called for free legal aid for assistance. But the harassments continues no matter what I do. I am in fear over {$1800.00} debt. Midland credit management has made me lose sleep and XXXX and scared to go outside in fear of someone hurting me. This is a crazy world now and I do not know what people are capable of. I block the numbers but they find other numbers to call and the phone is actually my son 's phone that he is letting me use. Its not even my phone. What can I do to stop this series of scare tactics that are actually causing me more physical and emotional distress over {$1800.00} that I cant pay, and dont have any personal assets or job and health issues are even more because of this harassment. Please Help Me! 
Sincere Blessings XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX I sent my dispute and none of the information was removed from my reports. in accordance with the fair credit reporting act the accounts i have provided violate my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 USC 1681 section 602A. States I have the right to privacy 15usc 1681 section 604 A section 2 : Also states a reporting agency can not furnish a account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 USC 1681s-29 ( A ) ( 1 ) AQ 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. 

Per the FCRA you had 30 days to conduct a reasonable investigation. Clearly you have failed to delete the disputed information. how just sending a response back as verified is valid is ridiculous. I would like to see the contract for each account verifying my signature. and information how you came to this conclusion. you're breaking my consumer rights and i want these accounts removed immediately. additionally, as per the FCRA you are liable to me for damages for your conduct. Thus, in addition to the deletion of the disputed information you are commanded to send a check in the amount of {$1000.00} per violation made payable to the order of XXXX XXXX. Be advised this IS NOT another dispute or opportunity for reinvestigation of the previous dispute. The allowable period to conduct such reinvestigation has expired and shall not be extended by law within 14 days delete the disputed information requested send an updated copy of my consumer file, and send me the {$1000.00} check per violation to my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Sincerely, XXXX XXXX
Product: Credit card

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of   XXXX   XXXX     I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Checking or savings account

They continue to take my money and they wont close my accounts because they are negative. Ive paid off the negatives with PNC a bunch of times but they keep charging me and will not close my accounts
Product: Debt collection

I am disputing the failure of compliance with the law as the persistent presence of a fraudulent account, XXXX XXXX  on my credit report. Despite assurance from the bank that it would be promptly removed due to identity theft, it remains unresolved.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under 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 systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputed information 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 or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit card

I am writing to formally lodge a complaint regarding the inept customer service I have experienced over the past several months in trying to resolve a payment error involving my Wells Fargo accounts. 
On XX/XX/year>, I mistakenly made a payment of {$3800.00} to my Wells Fargo XXXX XXXX XXXX Credit Card account instead of my personal Wells Fargo XXXX XXXX XXXX  Credit card account. After realizing the error, I immediately contacted Wells Fargo customer service and spoke to representatives at least 10 times to correct the issue. I was assured on multiple occasions that the {$3800.00} would be transferred to my personal account. However, nothing has been done, and the issue remains unresolved. 
To further complicate matters, I closed the XXXX XXXX Credit Card account later in XX/XX/year>, but my online banking now shows an outstanding balance of {$7600.00}, with the {$3800.00} erroneously posted twice as a charge on the business account. ( I am attaching the statement which only shows a {$3800.00} but my current balance online is {$76000.00}. ) This is highly frustrating and has led to unnecessary confusion and distress. 
Despite numerous attempts to get assistance and have this issue rectified, I have not received any meaningful resolution, nor have I been contacted by a representative with a clear plan to address the matter.
Product: Debt collection

SW CRDT SYS ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you SW CRDT SYS or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : SW CRDT SYS or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, AK XXXX
Product: Debt collection

These items on my credit report is inaccurate and is not mine and also not validated.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX XXXX XXXX was removed from my Transunion Credit Report. For some odd reason, this account showed up on my Transunion Credit Report on XX/XX/XXXX without any communication from the credit bureau. 

Thanks,
Product: Credit reporting or other personal consumer reports

I would like to exercise my right to opt out pursuant my rights under the Gramm-Leach-Bliley-Act specifically under Title V, Subtitle A, Section 502.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Law 15 USC 1681B, of the Fair Credit Reporting Act ( FCRA ) section XXXX makes it unlawful to report information without my consent. 
Additionally, XXXX XXXX Section XXXX mandates accuracy, fairness and privacy in the reporting of personal information. 
Under 15 USC 1692G, there are specific requirements for debt validation, also XXXX XXXX XXXX addresses the timing of payments Fair resolution to this issue would involve immediate removal of the information from my credit report. 
Failure to remove negative items upon dispute may result in a liability of {$1000.00} per item, as outlined in XXXX XXXX ( Civil Liability ) Give This Letter The Immediate Attention It Deserves.
Product: Debt collection

An entity on my Paypal account is attempting to collect a debt of {$470.00} through an invoice. I don't have a debt. I am not affiliated nor do I do business with this entity or seller. I received an email from this entity on XX/XX/2023, at XXXX to pay this invoice. 




15 U.S. Code 1692f - Unfair practices
Product: Debt collection

On XXXX, XX/XX/XXXX, I received an email from a company identified as Cedar Business Services, LLC ( CBS ) stating they wanted to " help me ( sic ) with a past due payment of {$180000.00} with XXXX XXXX ( XXXX ). As you know, this amount is in collections. '' I immediately responded with a certified letter, asking for more details because I did not recognize the debt and CBS was a 3rd party handling the collections. I requested CBS to provide specific and basic information for Debt Validation, such as 1 ) assignment from the original creditor XXXX to CBS, 2 ) the original debt and full breakdown, 3 ) any payments made, 4 ) any payments made by credit card insurance ( if any ), 5 ) the date of charge off, 6 ) the currency exchange from XXXX XXXX XXXX XXXX XXXX to US dollars USD, etc. I also asked that CBS give these details in a timely manner and provided them a 30-day courtesy period. 

CBS responded 36-days after receipt ( verified by post marks & certified receipts ),  with a letter that did not address any of the Debt Validation questions, they only reasserted that they were working on behalf of their Client for special handling. They provided phone numbers for me to contact them and a summarized breakdown of the balance owned in USD even though their client ( XXXX ) is a foreign entity. CBS failed to provide the monetary conversion or explain how they reached the USD amount. As well, within the breakdown, CBS identified the total debt was a Principal balance, with no interest, fees, legal fees, or other amounts paid. 

Attached with the CBS letter were 3-credit card statements from XXXX dating from XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. Each statement was only in AED and each statement clearly had the debt increasing due to assessments, fees and finance charges. The statements also showed that these charges exponentially grew. 

I only acknowledge that I lived in XXXX, XXXX from XX/XX/XXXX to XX/XX/XXXX and I do not recognize this debt and I will not acknowledge any 3rd party entity that doesn't provide basic Debt Validation verification. 

Also, because CBS is a XXXX debt collection company, coupled with the dates I left XXXX, I believe CBS does not have any standing based on XXXX XXXX  4-year Statute of Limitations on open-ended accounts.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my report and notice i had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

Account is showing up as owing money on an account that was reported lost/stolen No charges should be on any credit report when the card was reported lost/stolen
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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: Credit reporting or other personal consumer reports

I recently looked at my credit reports and I noticed you are reporting some late payments that are NOT accurate and I would like you to update these late payments on TIME PAID AS AGREED. I have listed the account name and account number below along with the date you are reporting late, and those dates need to be changed to PAID AS AGREED. 

Account # : XXXX Account Name : XXXX XXXX Dates reporting NOT accurate : XXXX
Product: Credit reporting

Transunion did investigate, but they still are reporting XXXX late payments on my XXXX XXXX XXXX XXXX Account. These late pays are a mistake and I have the letter from the company stating such. I need this removed from all of my credit reports as I paid on time as agreed. Thanks so much for your help!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. EQUIFAX has been reporting unverifiable and inaccurate information on my credit report which has damaged my credit. 

I MAILED IN A WRITTEN DISPUTE LETTER DETAILING ACCOUNT NUMBERS, COMPANY NAMES AND REASON FOR DISPUTE AND HAVE NOT RECEIVED A RESPONSE REGARDING THE RESULTS OF THE INVESTIGATING RESULTS. THESE INACCURATE, INCOMPLETE, FRAUDULENT ACCOUNTS REMAIN ON MY CREDIT REPORT AND IT HAS BEEN MORE THAN 30 DAYS SINCE I SENT THE LETTER. INSTEAD THIS COMPANY HAS CLOSED MY COMPLAINT AND ASKED FOR SPECIFICS THAT HAVE ALREADY BEEN PROVIDED.
Product: Credit reporting, credit repair services, or other personal consumer reports

VNV Funding LLC placed an account for collections in my name on XX/XX/XXXX. I sent the company 2 written request for them to validate this debt on XX/XX/XXXX and XX/XX/XXXX via USPS Certified mail.. LVNV Funding LLC never provided me with the necessary proof, such as an original contract with my WRITTEN signature on it to validate this debt. They also failed to meet my requests for proof of licensure to collect within my state, proof that debt collection is within the statute of limitations, as well as Agent 's name and license numbers. I have gone through 3 rounds of validation requests from the 3 major credit bureaus and well as a written complaint to each bureau stating that LVNV Funding LLC has not provided me with sufficient evidence that I'm responsible for this debt. Anyone can simply allege that I owe them money. LVNV has continuously violated my rights as a consumer by reporting inaccurate, invalidated, derogatory remarks on my credit reports and is in violation of the FCRA.
Product: Checking or savings account

I wanted to close my checking account and all accounts with XXXX and tried to remove the last of the funds in my account totalling {$72.00}. It was in parentheses but there was no minus sign. When the transfer went through, I got hit with a {$60.00} overdraft fee XXXX now my account says- {$100.00}. I don't understand how I'm somehow down over {$100.00} in my checking account. I don't remember agreeing to overdraft charges and a balance of XXXX should not be considered overdraft. XXXX is XXXX, not negative. This feels like theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts, unauthorized inquiries, nor did I live at these addresses.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX WAY XXXX, IL XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) , the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

On XX/XX/XXXX I opened a premier checking account at HSBC. One of the terms of this offer was that if I receive direct deposits of XXXX dollars a month for three straight months, I receive a XXXX dollar bonus. I did, in fact, receive such direct deposits on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I reached out several times via chat to HSBC employees and they said I would be receiving the bonus shortly. This never happened. Finally a query was opened by the company. The query is XXXX. The results of the query were that I was not entitled to the bonus because " As I see the monthly deposit from your employer was credited as Cash Concentration not Direct Deposit. 

The eligibility of the offer should be a Direct Deposit from your employer. 

We don't accepts Cash Concentration deposit as Direct Deposit,  that's the reason you are not eligible for the offer. '' This is made up jargon that does not pertain to me and was not delineated in the initial offer. 

I am hopeful that you can help clear this up for me. Thank you.
Product: Credit reporting or other personal consumer reports

Ive been trying for years to correct my credit I was victim of identity theft by the people I used to lived in the past I still have all those accounts the are not mine I try before many time disputing these with XXXX but no resolution 15 USC 1681 ( 0 ) civil liability for negligent noncompliance I want all the negative to erase and delete or remove for my credit report
Product: Checking or savings account

I have reported this same reoccurring issue of my transcations being declined on multiple occasions in which Citi bank has responded with several inaccurate excuses as to why each and Everytime my transactions have been declined. Citi bank has failed on several occasions to make any attempts to resolve this reoccuring matter. Today once again XXXX XX/XX/2020 Citi bank intentionally stopped my transaction. This reoccuring issue has caused me a great deal of stress along with financial issues. I'm asking that my account is investigated and Citi bank doesn't not stop or attempt to stop any of my transactions in the future. Funds will be fully available in my account and Citibank will deny me access to my funds along with stopping any transcations. I have also reported another time an issue happened similar to this one to the CFPB on XXXX XX/XX/2020 which is when Citibank declined another one of my transactions and purposesly freezed my card from being able to remove my funds for days. So once again I'm requesting that this complaint is taken seriously enough to be properly investigated.