23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I refer to the CONDITIONAL ACCEPTANCE package dated on XX/XX/2019, Certified Mail XXXX XXXX XXXX XXXX XXXX requesting original WET INK contract from Convergent Outsourcing. Please be advised that Convergent Outsourcing did not answer my requests point by point as required by law. 
Convergent Outsourcing did not provide any proof to sufficiently satisfying there claim under U.C.C. - ARTICLE 3 -3-302 that you are a note holder in due course. 
Convergent Outsourcing did not stipulate whether or not you were the holder in due course. 
Convergent Outsourcing did not stipulate whether this loan was securitized as required by law.

Therefore, Convergent Outsourcing admits to the following : 1. Convergent Outsourcing is not a real party of interest in this controversy.

2. Convergent Outsourcing are a debt collector and not the original creditor.

3. Convergent Outsourcing not having full and complete records of the alleged account. 

Thank you
Product: Debt collection

We recently installed a home phone line and a week later started receiving frequent calls from Portfolio Recovery at XXXX asking for a man who does not live here. The calls come throughout the day and we have informed them many times that they have the wrong number. Each time I try to speak to a supervisor I am hung up on by the caller.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX AND I WON'T ALOW
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 
 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

On XXXX XX/XX/year>, when I saw my bank transaction, I saw that my bank account got charged duplicate {$1000.00}. Then, immediately I called my Bank Of America to dispute the charge and told that my Laptop got hacked and stole my bank details. I reported as fraudulent charge. 
Today, Bank of America rejected mentioning that transaction occurred through XXXX giving proofs. But as I mentioned before, my bank accounts including all accounts got hacked like XXXX, XXXX. But I had not any past transactions with the person they mentioned. Please help me in this because my money got stolen and Bank of America just giving basless proofs.
Product: Checking or savings account

On Saturday, XX/XX/2019, I deposited a check to my account at JPMorgan Chase Bank in the amount of {$14000.00} which is for child support. I deposited at the teller window at XXXX XXXX XXXX, XXXX Kentucky XXXX. My child 's child support order provides that I receive an annual payment from her father by XX/XX/XXXX each year until she is an adult. When I deposited the amount, the bank informed me that they would place a hold on the check until XX/XX/2019. I asked them why and they said it was just the way that they handle large checks. I asked to speak to a manager, and they pretended I was speaking to a manager but I could tell that I was not because first they gave me to one banker and then she said she was too busy to talk to me, and I was handed off to the next random banker. He did not offer any explanation as to why the check was being held. When I said that the hold violates the Expedited Funds Availability Act, he said that the hold was in compliance with bank policy. I told them that no matter their policy, they had to follow the law, and they had not concern for compliance with the law and told me that was the way it was going to be. 

I waited until Wednesday, XX/XX/2019 to call Chase Bank because by that time, my understanding is that checks clear the routing process ordinarily within 48 hours. During this time, the bank did not release any of the funds from the check that was deposited, as is required under the Expedited Funds Availability Act. As a matter of fact, they charged me an NSF fee while they were sitting on my deposit in violation of the law. I called the number for the XXXX branch at ( XXXX ) XXXX. I was immediately transferred to a " Loss Prevention Agent '' and was treated like a criminal and screamed at by someone named " XXXX or XXXX '' it was hard to understand her. She said that they were holding the check because of suspicious activity. When I asked what suspicious activity and reminded her that I've been a customer for years and never had anything suspicious, she said that XXXX  XXXX XXXX reported the check as suspicious on the part of the maker, which I know to be false. She backtracked and said that it was highly suspicious and that the check would be returned NSF. When I asked her upon what factual basis she supported this claim, she had no facts to support what she was saying but just kept reiterating and screaming that the check would be held and that she found the check to be highly suspicious. 

I am not going to receive my child support that I need to pay the bills and to support my child until XX/XX/XXXX, and the bank is openly and cavalierly flauting the law and treating a long time customer like a criminal. I believe that over the years, the bank has held electronic receipts from sources such as XXXX, etc. in order to make the account go negative to collect NSF fees. I also believe that they try to maximize NSF fees by reordering deposits and debits in a way that will garner them fees to which they are not legally entitled.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act XXXXXXXX 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 In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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 reporting or other personal consumer reports

I sent a Complaint via CFPB on XX/XX/year> to the credit bureaus requesting that the XXXX XXXXXXXX Account listed on my report be removed for multiple discrepancies and a violation of the FCRA. The bureau responded that the account was valid and updated on my report which is inaccurate and a violation of my rights.
Product: Credit card

I applied and was awarded a Bank of America Platinum MasterCard in 2013. They approved and awarded me a credit limit of {$10000.00}. I have paid consistently without incident. Now they have dropped my limit to {$8600.00} which has impacted my credit score because I owe {$7500.00}. So instead of being {$2500.00} away from be 50 % below the limit the credit limit keeps getting reduced as I pay the credit card down. So my credit score is lower then what it should be due to no fault of my own. Please request that Bank of America increase the limit back to {$10000.00} as originally agreed. They do not have to permit or allow any future charges, but I want my credit score to increase by having them maintain our original agreement. Thank you for your assistance with this matter.
Product: Credit card

Someone opened a Discover card and a XXXX XXXX in my name without my consent. I suspect I am a victim of identity theft. I made an attempt to contact the creditor, and they have informed me that they are not aware of the situation. However, the three credit bureaus assert that the creditor has confirmed the debt belongs to me, creating a dispute between the parties. I have made every effort within my means to address this matter.
Product: Payday loan, title loan, personal loan, or advance loan

I never had a Car loan for LendMark Financial at one point LendMark was reporting two Accounts I despite the one that wasnt incorrect After time just about payoff time that incorrect account was removed but the balance due changed and for years I WAS told they didnt do loans for that amount but now LendMark billing me for loan I never received. I refuse to pay
Product: Credit reporting or other personal consumer reports

My dad put a car in my name using a loan from Santander Consumers and a settlement letter was sent to my home regarding this and said I must pay XXXX immediately. I explained to the consumers that I had nothing to do with it. I even told them that the information they had had wasnt even have the correct information on the mailing envelops so I never even saw or took the letters seriously ( BOTH MY NAME AND ADDRESS APT NUMBER WAS MISSING ). I even reached out to my dad who I asked to please get this vehicle out of my name and he stopped responding to me. XX/XX/XXXX I paid Santander Consumers after explaining to them as well that I was not involved in this but Ill do what I can just to get this stuff off my credit. I never in my life had a vehicle or even know how to or what to do to purchase one.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of the accounts and inquiries listed below, as I am a victim of a recent data breach. This request is made in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Account to be Blocked and Deleted : XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} Inquiries to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I made a specialty payment in which I chose the loan I wanted the payment to go towards. I understand that the interest is paid first thanks to the payment plan I'm under however, the payment I made on the loan I chose had less interest than the payment amount. This means the rest should have gone towards the principal, but instead every cent went towards interest according to the receipt I received. To make matters worse, the interest this payment supposedly went towards never even went down on any of the loans. Looking on my account statement and payments history it doesn't show where my payment even went, just says 'Interest ' and doesn't show specifically where it was used even though it does show the loan I chose. I waited two months before placing this complaint thinking it was just needing time to show correctly, that doesn't seem to be the case. Now, I just made a payment with my fourth lender which doesn't make any sense as to where the money went and why it was not applied to principal like my financial advisor states it should after the interest is gone. My financial advisor had suggested the snow ball method in that I would begin knocking out my smaller loans first then go after the larger ones, doesn't seem to matter if these companies are just going to pocket my money and not actually apply it to my balance. I tried to contact the company however, the phone lines are always busy ( they don't have email ) and I have to wait on hold until they close while talking to an automated system. Is it too much to ask for a transparent bill or receipt that spells out everything and actually shows what we are paying on, where the money is actually going? I'll be reporting this mess to the attorney general as well, just can't take this constant billing error problem with every lender I've ever been through with my student loans. And it's always the same way as this one, take the payment and have no clue where the payment actually went, but we received your payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Possible finance does not have a phone number to contact. When you call the number listed it says this number is not working. I have tried contacting them via email as it says contact us on the site. They dont respond. In fact Ive emailed them XXXX times now. Last message the lady stated she could update my bank account because their system will not allow me. She updated the account and still didnt let me submit a payment. They havent responded again even though Ive shown the error and asked them to submit full pay off through the new account listed. Everytime I submit a new contact request the same lady grabs it and closes it. Now they fraudulently repost two late payments on my credit yet their system wont allow me to submit a payment and they dont respond! Instead they advised me they can report it late and block me from making a payment further damaging my credit this is abuse. They dont allow payment submission purposely and their agent wont respond and wont allow me to speak to anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX } { XXXX XXXX XXXX XXXX { XXXX } { Credit Bureau : XXXX XXXX XXXX { Credit Bureaus : ALL 3 } { XX/XX/2022 RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { XX/XX/XXXXXXXX XXXX } and I noticed an unauthorized credit inquiry had been made. I contacted { XXXX XXXX  XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ XXXX XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. Thank you for your assistance in this matter, { XXXX XXXX }
Product: Credit card or prepaid card

Bank of America is impossible to get through to, they did say they closed the account but would not give me any information. 

I do not have any Bank of America accounts and have not applied for any. 

I got a hard inquiry on my credit wise credit alert and immediately started making calls and reported fraud to credit beaus.
Product: Money transfer, virtual currency, or money service

This is a court-authorized Notice of a proposed settlement in a class action lawsuit, XXXX, XXXX XXXX XXXX Block, Inc. and Cash App Investing , LLC, Case No. XXXX, currently pending in the District Court for the XXXX XXXX of California XXXX The proposed settlement would resolve a lawsuit that alleges that Block , Inc. ( Block ) and Cash App Investing, LLC ( Cash App Investing ) were negligent, made misrepresentations, and breached other obligations to their users in connection with ( 1 ) a data security incident that Cash App Investing disclosed in XX/XX/XXXX, ( 2 ) a data security incident that Block disclosed in XX/XX/XXXX, and ( 3 ) alleged unauthorized, and fraudulent withdrawals and transfers of funds to or from, and complaint and error resolution processes associated with, Cash App accounts and linked accounts. Block and Cash App Investing contest these claims and deny that they did anything wrong. This Notice explains the nature of the class action lawsuit, the terms of the settlement, and your legal rights and obligations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my XXXX XXXX XXXX credit card in full on XX/XX/2019 and they are not reflecting that I had a {$0.00} balance and I have used the card for a purchase on or close to the XX/XX/XXXX in the amount of {$29.00}. But they are not reporting accurate information on the above account, per XXXX XXXX credit alerts the information that XXXX XXXX is reporting on the balance amount is incorrect {$770.00}. I have never had that amount of a credit limited from them. I spoke with a representative on Saturday XX/XX/2019 at XXXX TN time from Equifax and she said they ( XXXX XXXX ) have not reported no new updates on my account for the month of XX/XX/XXXX. 

Account # XXXX XXXX XXXX XXXX XXXX SS # XXXX
Product: Credit card or prepaid card

I filed a dispute with net spend regarding charges made on my debit card acc # XXXXclaim # XXXX these transactions were not authorized by myself NetSpend sent my government direct deposit back there was no notification to me and deemed me as no longer eligible for a card, why because I made a legal claim in this dispute I consider a bad customer, so i would like to file this complaint I would like my funds to be placed back to me, if not please give.me your reason for not refunding my funds it's my understanding that the financial system must show that I had knowledge of disputed transactions if this is there position please forward me all information making me a bad customer as well a fraudulent criminal
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX EQUIFAX XXXX, STILL BLOCK ME FROM REVIEWING MY CREDIT REPORT FROM FREE ANNUAL CREDIT REPORT. It never fails if I look at one report like XXXX I will not be allowed to access my credit report that the three credit agencies block me from such as XXXX AND EQUIFAX. I am having to pay for services to see whats falsely being reported. To know and find the organization to realize had I intentionally meant to be late I would not fight this as hard as I am. I am getting ready to turn the XXXX XXXXXXXX and fico over to my attorney XXXX man should not fight this hard.
Product: Debt collection

XX/XX/2023 @ XXXX  As this was the second call from CREDIT COUNSEL, INC. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. I ask the caller MrXXXX XXXX to please cease and desist from calling me. 
I have no previous business with them I have no idea who they are please remove my number from your call log MrXXXX XXXX continue to threaten, he threaten to places on my name and private information on the credit report of all 3 creating reporting agencies and he was very rude and disruptive and stated he will continue to call even after I asked him not to I also ask that if you want to contact me he can do so via email and he repeated my email but continue to have threatening and disturbing conversations with me. 
please address the situation as a consumer I feel my rights are being violated. 

Thank You
Product: Credit reporting or other personal consumer reports

called XXXX for number to company called the company and got a dentist office located in XXXXXXXX XXXX XXXX
Product: Credit card or prepaid card

I recently realized I have not received my credit card statements in the mail for XXXX months from Bank of America . I noticed this month my XXXX card due date used to be the first of the month but this month was closer to the XXXX. I wanted to check the due date on my Bank of America card statement & realized I haven't gotten a statement in the mail for a few months. I searched my email & found a message XX/XX/2022 for an e-statement. When I try to open the message it just searches. I Never requested to receive E-statements! Especially as the only statement
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and I noticed fraudulent accounts on my credit report. Please remove these accounts from my report they are hurting my ability to obtain credit. I am not liable for the accounts with XXXX XXXX ( XXXX ), XXXX XXXXXXXX XXXX  ( XXXXXXXX XXXX XXXXXXXX ), and XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ). I do not have a non fraudulent contract with the creditor reporting this to my credit report. They did not provide me with the original contract as requested.
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, has violated my rights. 

15 U.S.C 1681section 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 reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$14000.00} XXXX  XXXXBalance : {$2200.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX  ) XXXX Balance XXXX {$850.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$490.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1700.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$470.00} XXXX XXXX Balance : {$490.00} ( Original Creditor : XXXX ) XXXXBalance : {$0.00}
Product: Debt collection

I would like to have this debt validated that was opened up on XXXX. I have no knowledge of this debt.