23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protect consumer right to privacy and confidentiality under U.S.C 1681. 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 report agency can not furnish an account without my written instructions. 15 U.S.C 1687c. ( a ) ( 5 ) Section States : No Consumer report agency may make any consumer report of the following items of information. Any other report 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 reporting agency if the person knows or has reasonable cause to believe that information is inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My daughter received a debt collection letter from Convergent Outsourcing IncXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Wash., XXXX - phone XXXX This company said my daughter owed {$49.00} and the account was placed with them for collection. But Convergent refuses to tell us the alleged merchant or company who is owed the {$49.00}. We have no bank, credit card or XXXX records of any transactions for {$49.00}, so this is a scam. 

They did eventually give us a phone number of the company and it was XXXX 's phone number. This makes no sense because you have to have a credit card or bank account connected to a XXXX account, so a XXXX account can't be past due. Convergent Outsourcing is a scam. 

I've contacted Convergent but they are unwilling to expunge this. Please look into Convergent. As I said, this is a scam. XXXX  has no record of accounts past due so they are trying to collect on a bogus claim. So there's nothing past due. Convergent Outsourcing made this up to try to rip us off.
Product: Credit card or prepaid card

Payment due XX/XX/XXXX Payment made electronically on XX/XX/XXXX Marcus Goldman Sachs credits payment on XX/XX/XXXX and charges {$160.00} interest When I called them last week they entered a dispute claim and emailed me 5 days later saying there was no error. 
Called them today ( XX/XX/XXXX ) and spoke to a supervisor, who told me no dispute had been entered, only a complaint, and then told me she entered a dispute and I would hear back within 90 days. Did not ask me for any information from my credit union. She first tried to tell me it was " trailing interest '' and I informed her that I had overpaid my previous balance by about {$100.00}. I have a confirmation # for the payments from my XXXX XXXX account.
Product: Student loan

I received an email from Navient on XX/XX/2020 saying that there is a payment due on my student loans which there shouldn't have been because I am on an income based repayment plan which is {$0.00} due to my income. I called them and spoke with a customer service representative and asked her why it was showing charges when I am on that plan. She said that those fees are being added now for interest from a few years ago. I don't know how that is possible when I was already been charged interest then and it was applied to my loan balance already. I believe that since XX/XX/2020 until XXXX there are not supposed to be any interest charged due to what was signed into office over covid-19.
Product: Credit reporting or other personal consumer reports

The account XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX ) XXXX is to be DELETED from my credit report immediately. The collection agency responded to CFPB complaint XXXX informing me that the credit reporting agencies were notified XX/XX/2024 to remove the derogatory account from my credit report, but it is still reporting. Please see the attached complaint response from XXXX XXXX XXXX and remove this account from my credit report within 7 days. XXXX, XXXX, and Experian are in violation of the FCRA for furnishing false and misleading information even after they were informed by the collection agency to remove this account. I will be seeking legal action if this account is not removed immediately. It has been over XXXX days since you were informed.
Product: Checking or savings account

Truist Bank received on XX/XX/XXXX  eight registered securities by registered US mail and has never credited my account or followed the instructions of wiring them to my XXXX XXXX  account. These are stolen securities, and the amount of. {>= $1,000,000} sent to The indentured trustee of Truist Bank, according to the SEC filing his name is XXXX XXXX. I have received no funds in my accounts, and no correspondence from the trustee of the bank. It was sent by registered mail number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, North Carolina, XXXX phone ( XXXX ) XXXX. Filed FTC XXXX
Product: Debt collection

On XX/XX/2017, my XXXX year old daughter had an accident that needs go to emergency room at XXXX XXXX XXXX in XXXX Washington for immediate care. When we were admitted into the emergency room, I provided all information included insurance card, my identification card to the hospital staff. The hospital billed my insurance and I made payment for remaining balance after the claim resolved. A year later, I received a phone call from XXXX XXXX XXXX, phone number XXXX tried to collect a doctor bill that I wasn't awared of. I had to call the hospital and the hospital transfered me to XXXX XXXX XXXX who hired XXXX to handle their billing. I asked XXXX about what bill they are sending me to the collection and why I didn't receive any notification or invoice before my case was sending to collection, according to XXXX, XXXX customer representative, they couldn't get hold of me because they had my mailing address incorrectly. And they sent me to collection and can't not pull it back. Now I have 45 days to resolve the issue otherwise this will hit my credit record. Can you send somebody to collection without their knowledge?
Product: Credit reporting, credit repair services, or other personal consumer reports

I got married over XXXX year ago and I changed my name and I've reported to all credit consumers about this with a copy of my social security card and picture id and marriage certificate and my name has not changed and I reported this in XX/XX/2021.
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I sent a debt validation request via USCB website on XX/XX/XXXX requesting information to validate debt for accounts listed by USBC representative as : Act # XXXX {$15.00}, Act # XXXX {$890.00}, Act # XXXX {$510.00}, Act # XXXX {$0.00}, Act # XXXX {$10.00}, Act # XXXX {$34.00}, Act # XXXX {$25.00} and Act # XXXX {$40.00}. In return, they sent a letter back on XX/XX/XXXX that did not contain the information to prove the debt was mine. The letter contained only account # s, amount due and creditor name. A certified debt validation letter was sent on XX/XX/XXXX requesting validation of debt information. I received only 3 letters for three out of eight accounts which are listed as follows : Act # XXXX {$890.00}, Act # XXXX {$25.00} and Act # XXXX {$34.00}. In these letters, it contained my private medical records/information that is a direct violation of XXXX privacy regulations. I never signed a XXXX form authorizing them to have access to this information. In addition, the remaining accounts were not validated after two attempts to ensure this was indeed my debt. Please delete this information from my credit file and cease all collections activities for the noted accounts above.
Product: Debt collection

This is not my account and I did not authorize services at this address at the time. XXXX XXXX reached out to me somehow with this information. I went to file the police report in the statement below. I went to the police station and they advised me to not fill out a fraud affidavit since it seems like the company is trying to pin this on someone, when the matter should be between the landlord and the company. XXXX XXXX did not see that services were on and unpaid for 3 years. I attempted send the statement below to XXXX XXXX with complaint # XXXX on XX/XX/XXXX of this year. It was sent back as invalid or not reachable to XXXX  XXXX. Here is what I sent : XXXX XXXX Account # XXXX Police Report # XXXX XXXX XXXX  XX/XX/XXXX I used to have services connected with XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX, XXXX  XXXX from dates XXXX. My previous boyfriend, Mr XXXX is the actual lease holder of each address and I am a lease holder at XXXX XXXX XXXX XXXX XXXX handles my current XXXX XXXX bill. I received an alert from XXXX XXXX that I owe {$1700.00} and that my services were shut off around mid XX/XX/XXXX. I was contacted by XXXX 's XXXX once I called them to get a copy of my current bill ( handled by my landlord ) in XX/XX/XXXX. I was told my services were disconnected in XX/XX/XXXX. I have been in a different address since XX/XX/XXXX. According to XXXX XXXX XXXX, in order to connect services the address would need to be recorded as XXXX XXXX XXXX XXXX instead of the recorded address of XXXX XXXX XXXX. The Landlord at the address notified the resident of this. I had this utility in my name since being in a relationship with Mr XXXX to assist him in keeping his public housing voucher. I am no longer involved with the resident, even as a friend. From what I remember, the resident was in the hospital getting treatment for XXXX XXXX   around XX/XX/XXXX and was released XX/XX/XXXX. I lost contact with him mid year and he notified me that he returned home and his belongings were no longer there. XXXX XXXX XXXX was connected there from XX/XX/XXXX-XX/XX/XXXX before it was disconnected. 3 years is a long time to have services with no payment and disconnection. I was not aware of the bill being in my name because my property management company handles my gas bill. I moved into my XXXX location starting a new lease on XX/XX/XXXX. This issue may need to be taken up with the landlord and I should have been contacted sooner to handle this matter. Instead, the bill has festered and the balanced was gradually increasing. I disconnected services in XX/XX/XXXX. I just spoke with the company today to get info on where to fax documents and they stated that a credit representative was not able to reach me at the address on file and I should be receiving a call from them later. 

Please contact me with any other questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Under 15 U.S. Code 1681b- Permissible purposes of consumer reports, ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

On XXXX XXXX and XXXX XXXX, Equifax reported two hard inquiries to my consumers credit report without my written consent to Equifax to do so. No consent is identity theft. 
I, XXXX XXXX never gave Equifax my written consent to report anything negative to my consumers credit report. A copy of the law, and a copy of my credit report is posted along with this complaint. 
Equifax did not have permissible purpose! 

Under 15 U.S. Code 1681 ( a ) ( 4 ) - ( A ) Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

As stated in the 15 U.S. Code ( a ) ( 4 ), Credit agencys should respect the consumers right to privacy
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a business loan for some XXXX  equipment back in 2014. I unfortunately had to move the business to Wisconsin and the business failed. I kept making my monthly payments until some issues came up and I informed them I would be missing about four payments. Even though I informed them ahead of time, they chose to send my account to collections with Benuck and Rainey. For three years, I made my agreed upon payments, on time, bi-weekly, for the agreed to amount. I made every payment and made every payment on time. I attempted numerous times to get XXXX XXXX XXXX via Benuck and Rainey to settle for large amounts but they declined every attempt. I still kept making all my payments and making them on time and for the agreed to amount. I recently found on a credit report that even while I made all my payments and made them on time, XXXX XXXX  was reporting to the credit agencies both delinquent and non-pay every month with NO NOTIFICATION TO ME and while still taking my payments and denying all my settlement offers. I now have paid 7 times what the equipment was originally worth.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received confirmation from XXXX credit reporting agency that an item " XXXX XXXX XXXX " was finally deleted off my credit report after there investigation. However I am submitting this complaint about experian and XXXX credit reporting agency 's as they are still reporting this account on my credit report. It has been disputed numerous times and experian and XXXX should have received the same response from XXXX XXXX XXXX to remove this account off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent repeated letters to the credit bureaus to have an unverified debt collector removed off of my account and they started by sending mail stating it was verified and the last letter in XX/XX/2020 stated that they were done investigating unless I had new evidence, yet the burden of proof of the debt is not on me, especially when I can't get a decent response of verification from either bureaus or the debt collector
Product: Checking or savings account

I was the victim of a fraud attack early on the morning of XX/XX/year>. I received a text message stating that it was Chime, and stating that I had a fraud alert, it provided a link to check to see the alert, so I clicked on it, it took me to my Chime login page and I logged into my account, at which point I was redirected to a Chime page that said " Thank you for acknowledging ''. Shortly after that I received a phone call from Chime support asking for my first name, last name, and phone number to verify me, they told me they had cleared the fraud alert and that I was good to go. I attempted to log into my account after the phone call from support and saw that my account was locked, so I reached out to Chime support and asked why my account was locked. They helped me to unlock it, at which point I logged in and saw that my entire balance had been XXXX  out which was over {$1300.00} ( rent money ). I called Chime support back and they said that they didn't see a transaction or a balance on their end so there is nothing they can do. I have since called them 3 times to attempt to get help in getting my money back so that I can pay rent and other bills and they refuse to help, stating that they see no transactions so there is nothing to dispute.
Product: Debt collection

I was left a voice message on my cell phone on XX/XX/XXXX from telephone number XXXX saying that I was going to be issued a summons, but it did not say for exactly what. They left a number to contact to get information about the summons. This telephone number is XXXX. When I called back a person answered calling themselves XXXX and identifing the company as XXXX. She asked me for my name I told them my first and last name and they verified my identity telling my last four numbers of my SS # and I confirmed it. She went on to tell me they were a collection agency that had obtained an old debt of mine. When I asked her what it was for she said it was an old delinquent bank account from XX/XX/XXXX and the collection balance was just over 900 $ and if this went to court it would reach over 3000 . I asked her the details of the account such as the bank name, the date the account was opened, and the state it was opened in. I knew I had never banked with that institution at that time and definitely not in that state, so I knew it was fraudulent and then I told her she was out of luck anyway because the statute of limitations had expired for collecting such an old debut. She said I would be served in a couple of days and to have a blessed day and then hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I gave credit inquiries on my credit report that I dont recognize and I did not authorize.. Someone tryed to open new accounts in my name and will like these inquiries deleted from my credit report ... .. I also have addresses on my credit report that I have not ever been associated with and will like them deleted from my credit report thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act All XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card

Between the date XX/XX/24 and XX/XX/24 SYNCB/Care Credit decreased my credit amount by {$3000.00} to a limit of {$2900.00} ( account balance ) ; Previously {$6000.00}. It dropped my score in XXXX by XXXX points and XXXX by XXXX points. There was no notification of the change and when I went to use my card to pay for a dental bill I did not have the balance to support it. I requested an increase through their app and it was declined. 

I reached out via live chat, told the agent that since I applied for the account my credit score, and income had increased, while overall debts decreased and there was no reason for them to decrease my limit. The only thing I can think of was that it is not a frequently used card for me. She attempted an increase but due to my new much lower score I was denied. 

I have XXXX accounts through Synchrony. Previously I had XXXX other accounts that were closed by them. One through Value City Furniture that was closed due to lack of use, the other XXXX that was closed due to company closing/buyout. All of this has effected my credit score over the years. I think it's unfair that without my doing or control they can have such an impact and no requirement to make it right. My payment history in all reports is stellar, and until this change my credit usage was under 20 %.
Product: Student loan

Unable to pay my student loans and Navient recommended forbearance but adds so much interest over the years making my acrutual borrowed amount over the years over XXXX and I did not borrow more than XXXX. When I am able to pay they will not work with me on a payment plan that works for my household income. Just unfair!
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting the incorrect names of : XXXX XXXX XXXX, XXXX, XXXX Transunion is reporting the incorrect addresses of : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting the incorrect addresses of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX last complaint that I submitted in this portal said that XXXX was going to delete all of this in XXXX business days and they have not. I want this inaccurate info deleted immediately.
Product: Debt collection

Back on 2013, XXXX XXXX XXXX issued a XXXX for {$13000.00} which we completely reported to IRS and paid the tax on this amount. XXXX XXXX XXXX reported this amount to the credit bureau as negative and di not want to close this issue. As the result of their negeligence and misrepresnation, we were not able to secure many loans. We have sent many letters and communications to this company and as of today, they refused to provide us with anything in writing that this account is closed and paid.
Product: Debt collection

I have received multiple text message to contact them ( State Collection Service ) past XXXX. Last one when I had had enough was on XX/XX/XXXX at XXXX XXXX. On XX/XX/XXXX I called the XXXX from that text and asked to speak with the compliance department to which they stated they don't take phone calls. I explained I have been getting text messages after XXXX last one at XXXX central time and she stated would remove text messages from my account. But I want this addressed since they would not let me speak with the compliance department.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB- I mailed letters to XXXX XXXX XXXX XXXX and XXXX XXXX XX/XX/2023 requesting that they all remove late payments from my consumer credit report as this information is listed in violation of the following consumer credit protection laws : 15 USC 1681 Section 602 which states that I have the right to privacy 15 USC 1681 Section 604 A Section 2 which states a consumer reporting agency can not furnish an account without my written consent. *15 USC 1681a - Definitions ; rules of construction- Exclusions- Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 USC 1666B A creditor may not treat payment on a credit card account under an open-end consumer credit plan as late for purpose. In addition, I requested proof of how information regarding the listed bankruptcy was furnished and have not received a response from any of the bureaus. The listed information is in direct violation of my consumer protection rights as I have never authorized them to list this information and contacted the XXXX county court listed on my credit reports and was informed that this information was never supplied to any consumer reporting agencies XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX aka XXXX, on my credit report for XXXX, they keep updating it as repossessed every month making it look like I have a new repossession. On my XXXX credit report, they indicate that I had a high balance of XXXX in 2022 which is in accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two credit accounts were opened fraudulently. XXXX XXXX XXXX opened XX/XX/2017. Bank of America installment account opened XX/XX/2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is account is inaccurate and incomplete information is reported differently on XXXX, XXXX and TransUnion. Per the Fair Credit Act 611 this is a violation. Please see the attachment for XXXX # XXXX. 

Please delete account.