23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I've contacted Convergent Outsourcing on numerous occasions to dispute this erroneous debt that is a result of identity theft. This debt does not belong to me. I have provided a copy of my FTC identity theft report and all of my correspondence with Convergent outsourcing over the past year! This company remains uncooperative and continue to violate my rights. This is my last attempt to remedy this matter in an amicable fashion. Failure to remove this immediately will result in my suing you in small claims court for your violations of 15 USC 1692 of the Fair Debt Collection Practices Act. As you can see I am keeping a close record of all my correspondence with you and the Credit reporting agencies that conspire with you to harm the consumer. I will sue you all.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS/INQUIRIES LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAs. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting the following accounts have violated my rights XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Florida Department of Revenue 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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

I NEVER GAVE WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS ALSO IM INVOKING MY RIGHT TO PRIVACY THIS IS MY LAST ATTEMPT BEFORE A CIVIL LAWSUIT WILL TAKE PLACE IMMEDIATELY BECAUSE THIS COMPANY IS KNOWINGLY VIOLATING MY RIGHTS IM OPTING OUT PLEASE REMOVE THIS IMMEDIATELY
Product: Credit reporting or other personal consumer reports

This account is a matter of Identity theft. Remove from my credit immediately. Also the account has inaccurate and fraudulent information that does not mirror each other through the credit bureaus it is being reported by XXXX XXXX Account # XXXX Transunion Account # XXXX XXXX  Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you. Please block/remove these files. 
XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Closing Date : XX/XX/2014 Liability : {$0.00}.
Product: Credit card or prepaid card

Hi, I have a TD Bank visa and three months ago someone is bought online from the store XXXX XXXX for a amount of {$510.00} and they ordered three times food at the XXXX dishes. And now the TD Bank visa service disputes department they refuses to do a real investigation about this purchase. I call my self the store XXXX XXXX and I spoke to the fraud department and they have all the information about the person who is ordered women clothing and shoes and the delivery address. Im dont know what Im suppose to do, to fix this problem, I call many times TD visa and with no results, it the worst service I had ever. As soon I fixe this problem I will transfer all my funds from this XXXX TD Bank. 
Thanks
Product: Mortgage

I called Chase Bank, XX/XX/2021 at XXXX XXXX  who I have an existing mortgage with to speak with an advisor on refinancing. I was connected to a lady, who took all my personal information, ran our credit, took good faith money, and more. I was instructed to upload documents needed to continue, but was unable because she didnt email other documents or include pertinent information to my Chase account needed to submit the documents. When she did on XX/XX/2021 at XXXX MST, I noticed the properties address Im refinancing on the Loan Estimate and all documents she mailed out to me to be signed, were incorrect. Ive been emailing and calling her since XX/XX/2021, without any responses. Ive also tried calling and emailing her manager informing him of the error, but no one has called or emailed me. This is the worst customer service Ive experienced with any business. How can I sign paperwork when information on it is incorrect and I have additional questions regarding this process. What Im afraid of is that shell treat my not signing these documents as a backing out and keep my {$500.00} Good Faith deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I May or may not be part of the XXXX credit information hack. I can not be certain since its been shown reliably that the XXXX  verification tool is giving out bogus information. And therefore now have to take proactive steps to ensure i 'm safe. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or TransUnion in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information, without my consent and I should not be required to pay them additional money to protect my information, Especially when companies like Trans union have in the last week redesigned their website to promote a " credit monitoring '' Service instead of linking directly to a credit freeze application. Thees " bureaus '' are doing a POOR job of protecting my information, then want me to pay them to protect it, FROM THEM The sheer hubris of this in light of the failures by negligence of their actions in the first place is astounding.. Thank you for taking time to read my complaint.
Product: Debt collection

Law firm of Linebarger Grogan Blair & Sampson , LLP has sent a demand for payment for a traffic ticket that I never received.
Product: Debt collection

I have been receiving phone calls from company called ERC from the number XXXX. They called me asking me to pay money to a healthcare provider. They asked for my information without reading it to me first, such as my phone number and address. They asked if I could pay an amount owed and I said no. I was told that they would document my response and begin their " next step ''. 

This is not first time this number has called me attempting to get my information. Whenever I ask questions about the nature of the call, the person on the other line immediately hangs up. 

Their website is www.ercbpo.com
Product: Credit card or prepaid card

Months ago before the Covid-19, I planned to purchase a basketball hoop at Dick 's Sporting Goods. They had a 12 month financing promotion with the Dicks XXXX XXXX Mastercard with in-store purchases. Then the stores closed due to the Covid-19, so I called Dicks customer service to see if I can still avail the 12 month financing if I bought online since stores are now closed, I was told that I would be able to. I was instructed to call customer service back once I purchase online, which I did and was told that its confirmed that I'll have the 12 month financing. Fast forward, I see on my bill that Im charged interest. I called Dicks Customer service who told me to call Synchrony Bank since theyre in charge of the finance. Synchrony told me I have to take it on Dicks since its their promotional offer. I called Dicks and they said they will apply to get it waived. After almost a week I called them again because I still see the interest charge. They said they will escalate it and I'll be receiving a call/email. Its been days, Ive heard nothing, my bill still has the interest charge. Its very frustrating being tossed back and forth like this, nobody seems to know and are not being helpful. I wanted to make sure I get the 12 month financing before applying for this card because its a big purchase. I hope someone help me with this because its completely not fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Contacted XXXX XX/XX/22 at XXXX the called lasted approximately XXXX hour and XXXX minutes. 

During the call I explained that my rights as a consumer were being broken and XXXX was not upholding FCRA Laws as our conversation went out stated that you are correct the amount is not they have not given us any information you need to provide us with that information when in fact the law states. My consumer file is being irresponsibly tampered with over the past 2 years, I have made multiple attempts to remedy this issue as a duty pursuant 15 USC 1681. you are intentionally and willfully being neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law. I made this call as another attempt to have these errors corrected on my consumer report. 15 USC 1681i ( A.5 ) says that after the reinvestigations ... all the unverified information must promptly be removed. You can see in your system that this account was previously disputed without being thoroughly investigated thus i know that it can not be verified or validated. 

Which lead me to writing this complaint in attempts to rectify this inaccurate reporting information so i can be able to go upon my life. If not I will seek LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617
Product: Credit reporting, credit repair services, or other personal consumer reports

The FOLLOWING derogatory accounts allegations are either UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately.
Product: Credit reporting or other personal consumer reports

Experian has such poor customer service that it won't allow a person to talk to a human representative of the company. It keeps asking me to update my identification. It has given me two different phone numbers and a website. No customer service person answers the phone. I can't get a hold of anyone. If you need to change anything on your account you have to write a letter to them. How can I unfreeze my account if I can't get a hold of a representative. You can't get pass the virtual phone guard. I need to do it right now, I have spent hours trying to get a hold of someone.
Product: Credit reporting or other personal consumer reports

To whom it may concern : The Fair Credit Reporting Act gives me the opportunity to dispute any information on my credit report that I believe is inaccurate. This law requires all data in a consumer 's file be documented and validated before it can be used by creditors, so I take this seriously! The allegations of delinquency and derogatory behavior against me are false. I will fight back with all my strength! Your report accuracy is crucial. The allegations you are reporting do not meet federal or state requirements for reporting, so they can not be confirmed. I challenge this claim because it lacks compliance by meeting some basic standards that would make me feel more confident in what is being said. You are required to maintain and report data with complete accuracy and compliance. You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format, as this is required by law ( FCRA ) as well as reporting standards XXXX XXXX. However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately, or else there could potentially be serious consequences I'm giving you 30 days from the date of this letter to resolve this issue, otherwise there could be consequences. I would like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case. 

In accordance with the Fair Credit Reporting Act, I am writing to bring specific inconsistencies in my credit report to your attention, specifically pertaining to billing errors as outlined in 15 U.S. Code 1666 ( b ) under the billing error category : Amex - XXXX ( 4 ) The creditor 's failure to accurately reflect a payment made by the obligor or credit issued to the obligor on a statement. 

( 5 ) A computation error or similar accounting error made by the creditor on a statement. 

It is my knowledge that the creditor failed to furnish me with a statement 21 days prior, which ought to render any ramifications of late payments regarding the above linked accounts. I am in pursuit of concrete evidence from the creditor 's bank records that will support the assertion that I failed to make a payment, resulting in an erroneous designation as late - a sign of an invoicing error - therefore. 

I humbly request that the subsequent entries be promptly updated on my consumer credit report to reflect their current status as follows : " PAID AS AGREED ''
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. I REALLY APPRECIATE IT IF YOU UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I currently lease a XXXX XXXX XXXX which is financed with XXXX XXXX. 
I have had a perfect record of timely payment, until this past XX/XX/XXXX when I was notified that my payment was not received and a XXXX  day late payment was reported to the Credit Bureaus. My payments had always been via auto-payment. However in XXXX of XXXX, my bank account had been compromised and was had to close my business checking account with XXXX and open a new one. This subsequently halted all of my auto payments. I promptly reestablished auto payment for my lease with XXXX XXXX. I called to confirm with a customer service representative. For several months It appeared as though payments were not being drawn and I called again to confirm my auto payment was established. I also attempted to confirm on line. On or about XX/XX/XXXX I was sent an notification that my payment was past due in the amount of {$XXXX}, I called the same day and provided the past due amount as well as the XXXX remaining payments in full for my lease. I was advised that this was reported as a XXXX day late. I attempted to discuss with XXXX XXXX that I had confirmed the auto payment and they refused to acknowledge any wrongdoing or miscommunication on their part. As a result of this XXXX  day last, my XXXX XXXX went for a XXXX to XXXX approx.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I wrote to the credit bureaus and requested that they confirm the debt listed on my report. They have replied with the statement that everything has been correctly confirmed. My credit report still contains errors. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Dear Experian, Equifax, and TransUnion, I am writing to you for the umpteenth time regarding the fraudulent accounts on my credit report. I have previously sent you multiple letters along with supporting documentation such as FTC reports, a police report, and an identity theft victim complaint and affidavit. Despite my repeated efforts, the inaccurate information continues to negatively impact my credit profile. 

As a consumer protected by the Fair Credit Reporting Act ( FCRA ) under XXXX XXXX XXXX XXXX XXXX XXXX I am formally requesting that you block all accounts that are a result of identity theft or fraudulent activity. It is imperative that you take immediate action to rectify this situation and prevent any further harm to my creditworthiness. 

I urge you to thoroughly investigate the information provided and take the necessary steps to ensure that my credit report is accurate and reflective of my true financial history. Failure to comply with the provisions of the FCRA could result in legal action against your organizations. 

I appreciate your prompt attention to this matter and expect a swift resolution. Please confirm in writing once the fraudulent accounts have been blocked from my credit report. 

Sincerely, XXXX XXXX XXXX. 

These are the accounts that are fraudulentXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX  Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Account number : XXXX Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX dc XXXX Dear XXXX XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter
Product: Credit card

Synchrony bank. Applied for card received unable to open card due to risk of invalid identity.
Product: Mortgage

Navy Federal Credit Union ( NFCU ), XXXX XXXX XXXX, XXXX VA XXXX, XXXX. 

Complete Failure to " Gross Up '' Non-Taxable Income for VA Loans/XXXX Veterans. 

Because NFCU does not " Gross Up '' XXXX Veterans ' XXXX and Compensation, or Veterans ' Social Security XXXX, payments, etc. ; A XXXX veteran is being so discriminated against via a very visible and DISPARATE IMPACT. 

Lenders gross monthly income, ( very typically, 10-20 %, ) when determining what type of mortgage a veteran can afford, checking major, monthly debts in relation to " Pre-Tax Income. '' When such " grossing up '' is not done on " non-taxable income, or payments, money, '' this so obviously/visibly creates a FINANCIAL DIS-ADVANTAGE for a would-be buyer/veteran, who receives such non-taxable money/payments/income. VA allows lenders to adjust veteran-borrowers ' non-taxable income, upwards, creating a " Pre-Tax Gross Figure '' ; For Example : A veteran ( like myself ) receives XXXX and compensation at the 100 % rate -- {$3000.00}, from the VA ; my social security XXXX from SSA is {$1200.00} -- all, non-taxable -- or, my " NET PAY, '' versus a gross pay. In other words, more than likely, for Any Worker earning a " net pay of {$4300.00}, monthly, '' such worker would have to earn -- perhaps, several hundred dollars more ( $ XXXX $ XXXX ), considering " Income Taxes, and Social Security Taxes, and even other deductions .... '' It is very important/imperative that such " grossing up '' transpires when determining DTI-Ratio, or, more specifically, keeping such debt-to-income-ratio below the VA 's 41 % guidelines ..., which, so very obviously, will help a XXXX veteran to obtain/maintain/retain a loan, at least, EQUAL TO -- if not, GREATER THAN another or even some other, person, who does not receive non-taxable income. 

Lastly, I am speaking directly from Past Experience : As, a commercial bank ONCE approved me for a much higher VA Home Loan than NFCU. Because, NFCU failed, so fantastically, to " Gross Up '' my " Net Income -- VA XXXX and Compensation and even SS XXXX, money/payments/income. '' Whereas, the commercial bank did indeed " Gross It Up. '' Thereby, NOT discriminating against me because of such, disability/payments, and, so very UN-LIKE NFCU ; which, TODAY, is STILL discriminating against XXXX veterans .... IT MUST STOP/END IMMEDIATELY ...! AND, I DO MEAN END/STOP IMMEDIATELY ...! 
Or, maybe, Congressional Oversight or a Congressional Complaint is so warranted, regarding this very imperative/important COMPLAINT -- WRONG.