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

XXXX XXXX XXXX, XXXX card XXXX in XXXX. XXXX since XXXX. Valid thru XX/XX/XXXX XXXX XXXX years ( XXXX ) of outstanding transaction and payment records. No late payments. 
No balance carried forward from billing cycle to billing cycle. 

On or around XXXX XX/XX/XXXX, attempt to charge a small purchase {$140.00} at XXXX XXXX, was declined, with an available credit balance of {$19000.00}. I tried 3 times and the cashier tried 2 more times without success. Account closed.

In excess of fifteen ( 15 ) written communications asking for explanation, justficaation on why the account was closed and requested that power rewards points earned be redeemed have been ignored and redeeming reward points and account credited refused. My own calculations result in a credit balance of {$15.00}. 

Emails sent to XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. None have acknowledged, or credited the power rewards points to the account. 

We are not disputing the account closing. With the humiliating experience and arrogant, antagonistic indifference manifiested by top management. My wife and I decided to completely severe our relationship or association with XXXX XXXX XXXX. 

However, we also want the Bank to cease submitting fraudulent, manufactured information to the credit bureaus, and questioning our otherwise excellent to outstanding credit worthiness, that translated to credit, fico scores have been upwards of XXXX.
Product: Checking or savings account

The bank closed my account but will not release my ach deposit payroll. They state that they do not have to release my funds. There is no pending transaction nothing is being held no activity at all. I have filed 4 complaints and the branch XXXX has done the same
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of the account listed on my credit report, as it is currently involved in pending litigation. The account in question is under legal review, and any reporting related to it is premature and inaccurate. It is clear that this account should not appear on my credit report until the matter is fully resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Convergent Outsourcing continues to blatantly report an inaccurate, unverifiable entry on my credit reports. The entry on my reports reflect that Convergent reported this entry to my reports on XX/XX/2020, yet they did not provide any communication to me prior to inserting on my credit reports. No dunning letter was received from this company. I have never did any business with this company, nor have I ever heard of the company. Once I became aware of this negative entry on my credit report, I immediately began disputing. My first disputes were with each of the credit bureaus and the responses provided from each bureau reflected that the entry was verified by Convergent. To that end, I sent a letter to Convergent Outsourcing ( see attached ). To date, this company has not provided any documentation bearing my signature or proving the validity of the entry they are continuing to report. Convergent is unable to furnish the original terms and conditions agreed to as well as any and all terms and conditions that were enforced after the original terms as per the alleged original creditor, XXXX. Additionally, they did not respond with a summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payment posted, charges made, and date of charges posted. In my correspondence to them I requested copies of all documents sent to me regarding this account ; again they did not oblige. Lastly, they did not prove the statute of limitations had not expired on this alleged debt. 

It is obvious that Convergent Outsourcing is not able to validate their allegation with documentation ; therefore, in the absence of them responding with any documentation to substantiate the alleged debt with signatures, this entry must be removed from my credit reports immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having trouble accessing my Equifax account. When I call Equifax they tell me my social doesnt match my name in their system I have tried this process over 10+ times. They told me to send them verification documents. Ex. Social security, Licensed. After documents was sent in they sent me a card in the mail, which said we received your request regarding your Equifax credit file. However, we were unable to locate a credit file for you for one of the following reasons : You have not applied for credit recently : You have not actively used credit in the past ten years : You have not lived in the United States or have not been issued a U.S. social security number I also sent them the documents via fax as shown in the documents.
Product: Credit reporting or other personal consumer reports

Hello, My name is XXXX XXXX XXXX, XXXX. I currently reside at XXXX XXXX XXXX XXXX XXXX FL XXXX, which is in XXXX XXXX XXXX I am writing this complaint as a Notice of a request for material disclosures, which were not delivered to XXXX XXXX XXXX, Consumer. This information was omitted, and is now being requested. I, XXXX XXXX XXXX, Consumer, am requesting the SSA-89 form that was used to verify the identity of XXXX XXXX XXXX XXXX and a copy of the 1099-C form. XXXX XXXX XXXX, is furnishing inaccurate information onto the consumer reports of XXXX XXXX XXXX, severely oppressing and harming the financial reputation of said Consumer.
Product: Debt collection

I contacted XXXX XXXX and was advised my debt was now with Levy and Associates. I have not received any written communication or any calls from Levy & Associates. I attempted to contact them through their website to settle the debt, but have had no communication returned. When I attempted to try and make a payment it said that I needed a file number. In the correspondence with Levy and Associates I advised I did not have a file number. I've provided my email and phone number and advised them email is the best communication source during work hours. No emails or calls from anyone stating they are with Levy & Associates, providing a file number. And now I just got a notification they are trying to garnish my wages without responding to my correspondence or providing me the necessary information to make a payment. I've also tried to contact them again via their website, during work hours and the request is now not sending, stating their website is not working or has timed out. Again unable to communicate with this company.
Product: Vehicle loan or lease

Car was repoed after asking company with help with financial assistance. Company said they could not help and that I would be financially responsible. Car was auction and I did not received a pre-sale letter before Car was auctioned.
Product: Debt collection

Today, XX/XX/18, I contacted the collection agency that recently sent me a letter regarding a collection matter that I thought was already resolved. The company is : XXXX XXXX XXXX XXXX , XXXX XXXX 
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX Without any success in resolving this matter again, I am now contacting you for help. 

My nephew, XXXX XXXX, was involved in an accident and went to the hospital. I received a bill for his visit. I am not responsible for his medical bills, as he is XXXX XXXX XXXX and no longer lives here at home. I first contacted the company, XXXX XXXX California, who had sent the first invoice and informed them of my situation. They supposedly had made adjustments to the account and assured me that my name would be removed from the invoice as it was not my responsibility. That did not happen. I just received a collection letter from another agency with my name still attached as the responsible party fr this debt. 

I am NOT responsible for this bill! I have tried to resolve this matter every way I know possible without any success, and now need your help to resolve this. Please help me and/or advise what my next step should be to keep this matter from damaging my credit. This is completely outrageous that I have had to put so much time and effort into a matter that has nothing to do with me. My next call may have to be an attorney! Please HELP!!! 

Thank You in advance!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted PROOF to Experian and XXXX About my Student loans that are reported on my credit history. When I was XXXX years old XXXX XXXX which later filed bankruptcy and sent me a letter of loan forgiveness as a settlement also I filed a dispute with the Federal Government about how XXXX opened SEVERAL loans WITHOUT my permission or knowledge. I discovered the loans only when checking my credit history. These agencies will not disclose or update my history with the ACCURATE INFORMATION I SUPPLIED several times. 

I want the information removed or updated that these loans are a result of FRAUDULENT ACTIVITY. I am XXXX years old these loans happened when I was XXXX and should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

There's an inquiry on transunion report that should have been removed due to inaccurate reporting information. XXXX bank inquiry shouldn't be on my report.
Product: Credit reporting or other personal consumer reports

I requested a free credit report from TransUnion on XX/XX/year>. I got the credit report, but it did not include my credit score. I talked with a representative from the company, and she informed me that their policy is to no provide credit scores for free. I'd have to pay for a credit report that includes my credit score. 

TransUnion collects my information without my consent, determines scores that impact my ability to live my life ( get a job, get an apartment, get a loan, etc ), and they make me pay to even see what they report to other entities about me. This is plainly unethical and an abuse of power, if not illegal. TransUnion also stands out in this respect compared to it's peers. Although all three agencies monetize the data they collect without concent, the other XXXX major credit reporting companies do provide this information for free. 

I should be able to see what TransUnion is reporting about me based on my data that they collected without my consent, and I shouldn't have to pay them to see it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which Ibelieve has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX / XXXX /  XXXX  , I paid my hospital bill through Central Financial Control in the amount of {$230.00}, confirmation #  XXXX . I have been alerted through my ID Alert monitor-credit monitoring as a Federal worker that the Central financial control reported to my credit bureau that I still owe them money.
Product: Credit reporting or other personal consumer reports

In

accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 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 crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ditech Mortgage Company did NOT send the Statement on XX/XX/XXXX for XX/XX/XXXX payment, we received the statement until XX/XX/XXXX, check was sent for XX/XX/XXXX and XX/XX/XXXX, check was cleared for both months on XX/XX/XXXX but they reported it as late payment, both my wife and I have had EXCEPTIONAL credit, now both credit scores are affected. 

XX/XX/XXXX Ditech went on Bankruptcy, we found out on late XX/XX/XXXX. Was until XX/XX/XXXX in the process of refinancing we found out that this report was done, could not get in touch with DITECH, had followed up multiple times with XXXX XXXX XXXX who purchased our loan by telephone, via email, and certified letters, two previous complaints filled with CFPB, more then 30 days passed and now the latest response from XXXX dated XX/XX/XXXX states they need additional time when is already more than two months we still waiting for. We can NOT give XXXX XXXX XXXX more time. 

Ditech can not be contacted since telephone is no longer in service, I contacted on XX/XX/XXXX via certified mail XXXX at XXXX XXXX XXXX XXXX, PA XXXX the address provided by XXXX XXXX XXXX and no response, they do not answer the listed telephone as XXXX in XXXX XXXX Minnesota so my letter came back yesterday XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per my   XXXX  credit report, CITIBANK NA performed a hard inquiry on   XXXX   XXXX  , 2016. I did not apply for any sort of credit card through CITIBANK.
Product: Debt collection

Complaint ID # XXXX Name reporting on credit Report : XXXX XXXX XXXX XXXX XXXX are attempting to collect a debt. I have sent letters to this company requesting verification that this debt is mine and to provide proof of such. This has never been provided nor was I sent a letter prior to this account being placed on my credit report. When I sent letters to the credit bureaus all I was supplied with was a general letter that this debt belongs to me, but no proof nothing in writing, no copies of letters, nothing. This is both a violation of Fair Debt Collecting and a violation of Fair Credit Reporting to not verify accurate information. XXXX can not provide any information to me, I have never been seen by a physician or doctor that they are attempting to collect on a debt from 2013. This needs to be removed from my credit file immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

1- In response to my dispute regarding the XXXX account, the Error shows on the data reported on Plain Sight As XXXX  150 DAYS PAST DUE, XXXX  150 DAYS PAST DUE, XXXX  180 DAYS, which is inaccurate and ground for removal and delays the removal date to XX/XX/2023 instead of immediately as required by law, if the law is ignored the removal date has passed, Please Check XXXX, XXXX, and XXXX data below to find the error. 

** XXXX, had notified EXPERIAN and XXXX of their removal of the XXXX account as shown below to update their credit report EXYERIAN, is the only one who refused to correct the error. 

XXXX XXXX XXXX is a result of Identity Theft which was removed by the original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm just attempting to find out if I have a credit freeze since when I attempted to get a replacement Social Security Care, the Customer Service rep at Social Security said that the reason that I could not order a replacement card online was because I had a credit freeze on my XXXX  account. 

I called XXXX. After giving them an amazing amount of personal information, they said that I did not have a credit freeze active. 

I then called Experian. I could never get out of their automated answering service. 

I finally called XXXX XXXX. After a while, a person - who had a limited command of the English language - answered, and after I had again given TOO MUCH personal information to, told me that I could not find out whether or not I had a credit freeze. 

All in all, this experience has been totally useless. If I have any way of doing so - and I am going to try to find out how - I will remove all my information from all of these organizations and never allow them to use my information for their PROFIT again.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a fraudulent Account on my consumer credit profile that I want BLOCKED AND REMOVED IMMEDIATELY from my profile, Pursuant to 15 U.S. Code 1681b ( a ) IN GERNERAL, 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. I { CLIENT NAME } Never gave { CREDIT BUREAU NAME } any written consent to report anything on my consumer report, No consent is Identity theft this is infringement and I want the following accounts BLOCKED AND REMOVED FROM MY PROFILE, I am demanding a deletion of this account or I will proceed with LITIGATION XXXX  : XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX- Account number XXXX Date opened XX/XX/XXXX XXXX XXXX- Account number XXXX Date opened XX/XX/XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX EQUIFAX : XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX CREDIT Account numberXXXX Date openedXXXX XXXX, XXXX XXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX XXXX  : XXXX Account number XXXX Date opened XX/XX/XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX  Account number XXXX Collection opened XX/XX/XXXX XXXX
Product: Debt collection

I made a final payment to XXXX to close my account on XX/XX/XXXX. This included a $ XXXX charge for an old phone only worth {$150.00} by trade-in! That payment was lost by XXXX, but I was not informed. I logged on to their website to download an old bill for my files and saw the outstanding balance. I contacted them and provided proof of payment. Yesterday, I got a credit alert saying I had a new collection account from Allied Collection Services, who I have never heard of or from. The note on the alert says " XXXX '' as original creditor. Not only is this debt invalid, the collection agency failed to send proper notification of the debt or option to dispute. I have never, ever gotten correspondence from Allied.
Product: Debt collection

On XXXX I was contacted at XXXX XXXX from a number which I did not recognize ( XXXX ) When I answered this call I was told is was XXXX XXXX and that this was an attempt to collect a debt. Per this conversation I was threatened that if I did not comply and pay then my wages would be garnished. This account was from a payday loan dating back in 2016. I had no recollection of this debt however I have worked extremely hard on my credit and keeping it in good standing. I explained that I've checked my report frequently within the last 2 years since I've been working on purchasing a home and I've never had an account go to collections so I wasn't sure where they were receiving their information. I paid them {$890.00} and soon after I got off the phone and did some research I felt that maybe I was scammed because I didn't receive any information in regards to this matter ( act number, date etc ) I know my rights as a consumer and felt they were violated to the worse degree, however I fell for the scare tactics and paid whatever they were asking for to avoid my credit taking a hit. As a consumer I have the right to privacy never have I disclosed my phone number with a third party collection company and I have never given them the right to contact me. It is also a violation to threaten a consumer with obscure language in which a threat to garnish me wold be just that. These rights are supplied by FCRA and are meant to protect consumers such as myself.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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. 

Follow the law and delete the inaccurate information on my report. Delete account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  delete from my credit report, because of multiple violations of the fair credit reporting act.
Product: Credit card or prepaid card

I tried to do a transaction with moneygram to send money from my XXXX card. I was sending money from my XXXX Card to my personal bank account in the amount of XXXX on XX/XX/2020. I get a email that the transaction has been completed than another that says its been canceled. I called MoneyGram and they stated the transaction was canceled due to my information not matching which was a lie. I was then told it because my bank declined the transaction and my bank stated they have no reason too. I was supposed to have a major XXXX on XX/XX/XXXX and Im unable to because I didnt have my payment made. I need my money back ASAP please help.
Product: Debt collection

I was looking on my XXXX XXXX report and saw two collections account from the same company LVNV FUNDING LLC for 12 XXXX XXXX XXXX XXXX for the amount of {$710.00} and {$610.00} on XX/XX/XXXX XXXX I would like these charges to be deleted off my report because I am unfamiliar with these companies thank you for your time