23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I keep getting harassing phone calls on my cell phone from Dynamics Recovery Solutions. I do not owe any debt yet they keep calling me despite being told that I am not the person they are trying to contact!!. Now they are even calling my cell phone!
Product: Debt collection

I moved in XXXX XXXX apartment in XXXX and I ended up moving XXXX XXXX and I never renewed my lease. I let the office know that I was n't renewing my lease I moved out on the XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Late Payment from XXXXXXXX XXXX Late Payment from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Hospital XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent a letter to the CRAs disputing fraudulent accounts as on XX/XX/XXXX and mailed them certified. It is now XX/XX/XXXX and I have not received a response from the CRAs. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), it is plainly stated you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.
Product: Credit reporting or other personal consumer reports

According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I recieved a XXXX  ( XXXX XXXX XXXX  ) for the following charged off account listed below. After checking my most current report on XXXX and XXXX the updated information stated this account was still being reported. The account can not be reported as a charge off on my credit report. PLEASE CEASE THE REPORTING AND DELETE THIS ACCOUNT ..... 
DISCOVER ACCT # XXXX I ATTACHED XXXX, CREDIT REPORTING FROM XXXX AND XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Unable to access online accounts. Consumer agency XXXX representative asked to send social security card to an email address.Tried to login to Transunion report and received an error message " consumer not authorized to receive service '' Error 310 that was placed on my credit report by a customer service agent. These are unheard of events and I feel that I need help to dispute these items to gain access back to my credit report. I initially placed a fraud alert on my report with a change of address to XXXX XXXX XXXX XXXX XXXX Ohio XXXX
Product: Money transfer, virtual currency, or money service

Wont reset my account to update phone number and password and email
Product: Money transfer, virtual currency, or money service

I made a deposit of {$1000.00} at XXXX XXXX PST XX/XX/XXXX from my XXXX XXXX XXXX checking account. I also made a second deposit of {$1000.00} at XXXX XXXX PST XX/XX/XXXX from my XXXX XXXX XXXX checking account. I was sent an email ensuring that all my funds would arrive within 2-4 business days so that I would be able to utilize them. At the time of writing, it is XXXX PST XX/XX/XXXX and my funds have not arrived yet. 

I have tried calling the customer support of Coinbase, but they have been of no help to me. They say that " the funds will eventually arrive '' but I have plans with the money that have been postponed due to the delay.
Product: Mortgage

On XX/XX/XXXX I received an escrow analysis. The company showed a shortage and is attempting to increase my mortgage payment by about {$250.00}. The reason there is such a significant increase is due to the company paying my property taxes in full versus bi annual installments. They were paying in full because in XX/XX/XXXX I found they failed to make my tax payment putting me delinquent in my tax payment. 
I contacted customer service to have my taxes changed to bi annual payment and a new escrow analisys completed because of the original company error. This contact was made on XX/XX/XXXX. I was informed that the payment could not be changed because my county offered a discount for full payment. I contacted my county, this was a lie.

I called again and it was escalated to a manager that  followed up and said I would receive a letter sometime in XX/XX/XXXX or XX/XX/XXXXand I could change to bi annual  payments at that time. Finding this unacceptable is called again. Representative XXXX said she would look in to it further and call back within 48 hours. No call back. 
I again have hours into fixing a problem created by this company and have no answers.
Product: Debt collection

LVNV FUNDING LLC sent me debt collection letters on a debt that I requested them to VALIDATE AND VERIFY but they provided me nothing and still list the debt on my XXXX CREDIT REPORT
Product: Credit reporting, credit repair services, 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, account # XXXX, opened XX/XX/XXXX Account name : XXXX, Last four digit of the account # XXXX, opened XX/XX/XXXX Account name : XXXX  XXXX, Last four digit of the account # XXXX, opened XX/XX/XXXX Account name : XXXX  XXXX XXXX, Last four digit of the account # XXXX, opened XX/XX/XXXX Account name : XXXX, account # XXXX, opened XX/XX/XXXX XXXX U.S.C. 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 602 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 for more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer relating agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

There was going to be a court-ordered debt Levy put on my bank from the Franchise Tax Board they gave me a certain time to pay it off I paid it off Wells Fargo still went ahead and charge me {$120.00} fee that they charge for such things and over drafting my account in doing so they took {$13.00} from my savings account to pay to put on to my main account then they over then they charge me a {$12.00} fee for that and now they overdrafted my savings account all all because of this Levy that was never really in put on my account
Product: Checking or savings account

Synchrony bank placed a 60-day hold on my account based on a disbursement I sought to my XXXX acct. Synchrony contends that my XXXX account was frozen which it is not. Bank also confused my information from a XX/XX/2004account I had with a bank Synchrony recently purchased. Bank is holding {$25000.00} of my money. which is disrupting my ability to pay my bills.
Product: Student loan

I have contacted EdFinancial several times since XX/XX/2023. On XX/XX/2023, I received information that they placed me on the XXXX plan, which increased my payments beyond what I am able to afford. I asked several times through the email function to remove me from the IDR and place me back on the standard plan. They have responded once, saying if I want to reduce my payments on the XXXX plan, I need to submit other documents. That is not what I asked for. I asked to be released to the standard repayment plan so that I can explore the extended repayment option which would lower my payment and make my budget workable. They never responded. The chat does not work - no live agent. The phone line has XXXX minute wait time. I called several times and asked for a callback. Never received a callback. Never received another customer service message.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00}
Product: Debt collection

Calling during work hours after stating that Im not allowed to accept personal calls during working hours. I 've given hours that he can call but does not call durning these times. Due to these issues I have had delays in payment. The collector will now not accept a months payment, saying that he does n't have time for the process unless I have previous months payment.
Product: Checking or savings account

I received a letter last month stating my account was closed. Because Citi bank failed to close my account correctly the first time my stimulus check from the IRS was deposited into that account. They sent me a letter stating they were closing my account but never sent me my stimulus check The stimulus check was in the amount of XXXX {$1200.00} for me and XXXX $ for each of my children. The IRS is stating they sent my stimulus check to that account but I have not had access to that account since XXXX of 2019. It has been several months this bank has been holding my money. They hang up in your face when you try to call and give you little information.
Product: Mortgage

hi my name is  XXXX   XXXX  I just file the complaint about  XXXX  credit bureau complaint  XXXX  yesterday I was checkin g trans union credit reports I have lots of new item in my credit report, I have o nly  XXXX  loans on my name auto loan and   XXXX   XXXX   credit card that 's it like I said last time  XXXX  credit bureau have false credit report on my name I never have  XXXX ,  XXXX  credit card and I never been to  XXXX  another  XXXX  I never go to   XXXX   XXXX   I have health insurance for  XXXX  and I only go to  XXXX  in  XXXX  only all the new ite m in trans union cre dit report its false statement thank you
Product: Credit reporting

I sent my informatoin through CFPB complaining on Experian 's lack of response in regards to a ID theft collection on my report. They said they would investigate it and it has been over 30 days. Based on everything I 've read I thought I did everything right. I 'll upload the date my last complaint was filed and then submit that as documentation. Not mad just a little frustrated b/c Im not sure what else todo.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  Account # XXXX is reporting as an delinquent account that I have for over 5 years with no late payment and this is inaccurate. I have never missed a late payment within the 5 years I have had this account so for the Late payments on XX/XX/2018, and XX/XX/2018 marked as 30 days and 60 days late respectively has to get updated across all XXXX bureaus and reported right as this is inaccurate and all inaccurate, wrong reporting information has to get removed from the credit report according to the FCRA. See attached documentation.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT I recently received a copy of my ( XXXX, Equifax or XXXX ) consumer report, and I noticed some Transactions posted on my consumer report that is excluded my federal laws to my consumer reports! : XXXX  XXXX bank account # XXXX Reporting this late payyment from XXXX XXXX XXXX  is in violation of the FCRA and Metro2 Compliance and reporting violation. 
15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.

Except as provided in parragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the personmaking the report ; On XX/XX/2023 you reported transactions from to my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet youare reporting this information to my consumer reports! 

The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is Clear violation of Metro2 compliance!

Provide me with the Metro2compliance disclosure on reporting transactions to a consumer reporting agency. 
I demand the transactions reported on XX/XX/2023 be Deleted from my consumer reports effective immediately. 
Now before you thinkk to reply with validated, lets be clear I am not asking you to validate or verify anything so dont respond telling me that to waste my time. 
Further more 15 USC 1666b ( a ) ( a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
I need the above transactions deleted from my consumer reports!
Product: Debt collection

15 USC 1692c that the law clearly states if consumer Notifies a debt collector that the consumer refuse to pay a debt the debt collector must cease All CommunicatiXXXX
Product: Credit reporting or other personal consumer reports

MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX Bank {$420.00} Date Opened XX/XX/XXXX XXXX XXXX Bank Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$640.00} OHIO XXXX XXXX XXXX XXXX {$1200.00} Date Opened XX/XX/XXXX OHIO XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$790.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX BANK XXXX XX/XX/XXXX 2023
Product: Mortgage

I have an escrow account with my mortgage company to pay my property taxes and homeowners insurance, my 2015 summer taxes were not paid by the mortgage company they are delinquent XXXX XXXX, when I discovered that the taxes had not been paid I called the mortgage company to tell them, I was told that they cut a check XXXX XXXX, 2015, I told them that the city did not receive the check I was told that they would give it to the department that handles the Michigan taxes, I said ok, then I receive a letter from the City XXXX, on XXXX XXXX, 2015 stating my taxes have not been paid and penalties and interest are added I called the XXXX department back at the mortgage company and was told that the first check in the amount of {$3200.00} was put back in my escrow and a new check in the amount of {$3400.00} reissued, ( which means the took the penalties and interest from my escrow also which should not be done ) the said that check was sent on the XXXX of XXXX, I called the City of XXXX to see if they had received the new check today they had not I called the mortgage company to tell them that my taxes are still not paid, and all I get is the run around. I have come to the end of my rope with this mortgage company, I have had nothing but problems with them since my loan was transferred to them almost two years ago.
Product: Checking or savings account

I received a settlement check from my attorney on XX/XX/23, due to a minor accident. I went to the Citizens Bank branch to deposit the funds into my account, and I was told by the Banker the check looked fake and he couldn't deposit it, and if my account overdraft it would be sent to collections. Knowing that my check was not fake, I decided to go home and mobile deposit the check instead. Today, when I opened the account mobile app, it wouldn't allow me to log in. That's when I went to my computer and decided to log in from there and I was able to see that the check is still on hold, no funds were available to use. I asked the representative the reason behind the hold, she advised that the check seem fake. I advised her that it is not fake it is a settlement check from an Attorney 's trust account. I was told I will have to wait for the bank to clear it on XX/XX/XXXX. I have bills to pay and not being able to use money, and also being told the check is fake is hurtful. Those statements come from a pattern of discrimination against people of XXXX and bank institutions. Citizens bank has a history of XXXX profiling. I would not stand to be another victim. XXXX XXXX  do not get treated the same as XXXX when trying to send a check into the account. To be rejected from depositing a check that was provided to me by an attorney at the branch is unfair and discriminatory. I will also like to file legal complaints regarding this.
Product: Debt collection

In response to CPFB complaints # XXXX - XXXX my name is XXXX XXXX a federally protected consumer, and Iam making this complaint against Convergent Outsourcing Inc. for violating a cease and desist order notice they received on XXXX XXXX and for continuing to invade my individual privacy by committing abusive, deceptive, and unfair debt collection practices. I have attached a debt validation letter, a cease and desist notice, Exhibit A. which is a copy of the account reporting on my Experian consumer report, Exhibit B which is copy of response to CFPB complaint # XXXX - XXXX, and a pdf of an FTC Report that will be labeled as Exhibit C when filing for litigation in Federal Court to this complaint. Convergent Outsourcing Inc. position that this account will remain reported to credit reporting agencies with accuracy as disputed, because I never contract with them and they have no reason to have my identifying information. Also, pursuant 15 USC 1692g ( c ). I have not validated any alleged debts with Convergent Outsourcing Inc. and my failure to dispute the validity of this alleged debt shall not be construed as an admission of liability. Convergent Outsourcing Inc. As of XX/XX/XXXX, I have not received any documentary evidence, such as a trilateral contract giving Convergent Outsourcing Inc any right to collect on this alleged debt. It is my belief that Convergent Outsourcing Inc are attempting unlawful extortionate activities and theft company are attempting unlawful extortionate activities and theft by deception by attempting to furnish false and deceptive forms. The Company also stated The Balance have been validated with the original creditor XX/XX/XXXX. I have never received any documentation requesting validation from Convergent Outsourcing Inc. before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report. If Convergent Outsourcing can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me the consumer, prior to furnishing it on my report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. Convergent Outsourcing Inc # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit report agencys keep upate my credit report with mis use information.and nothing updated in a timely matter .My credit score is going down badily ... I don't know what these companys doing and its a lot inquires on my credit .I don't understand how this credit agency get to get over like XXXX, XXXX and Experian.I need my fico score to be updated .Everytime I turn around my score low.I sent all my paper work to prove my stuff was accurate .Also I was fraud victum and someone stole my social security number, This is so important to get this straight.I m not getting treated fair because they ripping me off .I always dream to have a 700 to 800 credit score .Everytime they changimg my credit score and they keep allowing bad things to go on my credit .Also all three companies is being sued to get over on people.I want XXXX XXXX XXXX XXXX to good stands positive to be updated,,, ,XXXX XXXX company my credit saying I owe them. , ,, ,XXXX  off my credit XXXX not my accountXXXX ..student loan off XXXX off the school closed down,,,
Product: Mortgage

I XXXX of XXXX  i wanted to do a cashout refinancing and i applied online.I was contacted by XXXX XXXX and we started the process. As the days went on i had to do everything over my phone while i was at work. I felt very hurried .My interest rate jumped from XXXX to XXXXafter everything was done i found out they charged my XXXX in closing costs .My orginal mortage was XXXX $ the one debt was XXXX and the lean from fha during covid was XXXX for the total of XXXX. My new loan is now XXXX. M WHEN I CALLED XXXX XXXX XX/XX/XXXX XXXX AND ASKED WHEN I WAS GETTING THE XXXX $ i was told i was only getting XXXX and they did not pay off my car as they said they where.I talked over everything with my Realtor and he advised me to file a complaint .But we called and talked to XXXX XXXX first on XX/XX/XXXX  .He was rude and short to me and my Realtor. We then tried calling XXXX XXXX and we got no reponse,
Product: Money transfer, virtual currency, or money service

I am writing to formally express a concern regarding Zelle handling a dispute particularly in the light of recent CFPB lawsuit highlights significant issues with that platform. Despite using Zelle numerous of times and reporting discrepancies my financial institution and Zelle failed to investigate my claim adequately. They reported that it was impossible to get my funds back once sent money. They were not able to track my funds.
Product: Debt collection

never notified of the debt, straight to my credit now my credit has gone down and collection debt stays in my credit for 7 years?? thank you