23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

The original loan that was through the Department of Education came through Navient between XXXX - XX/XX/XXXX. The phone call made XX/XX/XXXX specified the amount totaling {$25000.00} which is included in a debt consolidation program which starts with XXXX XX/XX/XXXX. A bill came in the mail dated XX/XX/XXXX from a collection agency, XXXX XXXX XXXX XXXX XXXX in the amount of {$8200.00}, claiming that it was transferred from Navient as a federal loan comprised of 6 loans. When calling to dispute the debt, the person on the phone claimed that not only does the dispute have to be in writing with a time limit of 30 days from the date of the letter, that they do not have any information on hand of the debt in question but it was considered in good standing and is being sent back to the company. The debt collector proceeded to ask about account numbers and amounts of the loan. 

This letter came soon after I had applied through the XXXX XXXX XXXX program for debt consolidation that was applied for in the beginning of XXXX of XXXX. I have paid automatically every month on this " loan '' for over three years with the payment coming out with the name " XXXX XXXX '' for {$300.00} a month, which was agreed upon. I do not have any further information on the debt in question except for the last four numbers of the account. The debt collector would not even give me my own account number for the bill they had sent to me to collect said debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taken advantage of, while several laws were being broken under the FCRA by this company. This has caused me financial injury for months now. I can't get a job or apartment. I also cant apply for credit, due to pandemic I am in need of funding but can't get it due to your company
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, The following inquiries known as XXXX is reported on my Equifax and XXXX  credit report and they are not mine. I contact both the company and credit bureaus to remove this and they have yet to comply. This inquiry has the date of XX/XX/2019.
Product: Debt collection

XXXX  XXXX XXXX XXXX account was discharged under Bankruptcy in XXXX. XXXX continued to bill for service despite notification of termination of contract or service. Services were not used from date of notification through and beyond date of discharge. However XXXX XXXX continued to bill for services not used and not wanted incurred prior to discharge and past date of discharge. They subsequently sent balance to collections. Initial collection agency was notified of the Bankruptcy and discussed the service billing periods and the collection was abandoned in XXXX. 
Four years later ( as XXXX was in process of acquiring XXXX and needed collections on the books ) beginning XX/XX/XXXX I received collection notice for the same discharged debt not only under the Bankruptcy but also under the initial collection agency. My complaint is against XXXX for continuing to bill for services after bankruptcy and continuing to collect said debt after it was discharged. Additionally my complaint is against CONVERGENT OUTSOURCING as they continue to attempt to collect a debt that was discharged under bankruptcy in XXXX and discharged by a previous collection agency. They continue to attempt to collect a debt despite dispute through credit reporting on multiple occasions. They have been provided Bankruptcy discharge on multiple occasions. In addition they are attempting to collect a debt that was discharged by a previous collection agency and is more than 7 years old. More importantly Convergent Outsourcing continues to report the debt falsely as new debt as of XX/XX/XXXX more than 4 years after the original debt thereby falsely reporting the history of the debt. Thereby violating Fair Credit Reporting. 

Convergent Outsourcing Phone number ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX
Product: Credit card or prepaid card

Bank of america told me several times I must go to a local bank of america and verify my identity. I went to a bank of america location 3 times and they act like I don't know what I'm talking about. I haven't been able to access my money for months almost a year now. I've sent copy of My ID and social as well. They also won't let me update my information either. Please help I'm loosing my place to live due to this issue. They are violating so many laws it's ridiculous. I can't afford an attorney or else I would have hired one that should be on there.
Product: Mortgage

my taxes and insurance is escrowed. company changed the escrow requirements way more than was required and did not properly notify me on more than one occasion. My payment has been ach through my bill pay for XXXX. They changed the amount due and I was not properly notified and when my payment was sent in like it always does, on one instance they returned the payment, another instance they blocked the payment from the bank and the other time they collected the payment and had it sitting in suspense and did not apply it to my account. So instead of calling or emailing or sending a letter saying the payment amount received was incorrect and applied but is still short they just blocked it or collected it and put it in suspense which is basically " limbo '' and made it seem like I neglected in paying my mortgage and subsequently charged me late fees and reported the 3 late or missed payments to my credit which the 3 instances now are costing me a refinance that I am now trying to get done but cant because i have 3 negative hits and no matter how I pay my balances down to XXXX for everything else it still wont get my credit worthiness up.
Product: Credit reporting or other personal consumer reports

Company sent in false verified information and account was not updated per the email I received from them.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified this items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I would send money using XXXX at first there was no way of getting my money I send it to a wrong person thinking it was my daughter I was not able to get that money back this is just 1 of the many
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquires that isnt mine
Product: Credit card

Barclaycard # XXXXcharged me a {$1000.00} as a transfer from another card that had a XXXX balance. Barclay refused to call the new company to correct this error. I made the call to the previous company and was able to obtain a check for {$1000.00}. Barclay rep told me in XXXX that once the funds were received they would credit the card {$30.00} free plus any more fees/chargesAs of today, they have not and refuse to correct their error. Today the balance is $ XXXXXXXXBalance {$56.00}, {$37.00} late fee, interest {$1.00}. 
All I want is to have the charges reversed and corrected from my credit report
Product: Credit card

Ollo credit card merged with ALLY BANK-i received an ally credit card and I tried numerous times to create online account and can not because ally bank in the merge from ollo bank never received data files that match any consumer birth date and social security number. I have to call every month to make a payment and I am unable to view account history to make sure my billing is correct or make a payment. I cqnnot even create an account through mobile application. This happened to every ollo card per customer service at XXXX and technical ticket were submitted and closed. I tried in XX/XX/2023 to get online act and my birthday and social security even thougj i been an ollo customer for years is not matching and ally bank is aware and not able to resolve. I can not close my account because it will hit my credit. I tried to get escalated to manager and never got a call back and it has been almost a year.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report and found several inaccuracies and unauthorized accounts. These errors have negatively impacted my life and credit health.
Product: Debt collection

XX/XX/XXXX XXXX  contacted me about a card they said I had back in XXXX. They said it was issued to me, this was not a card I had applied for. They gave me the original count number and the original company. I contacted the original company they told me that the card was sent out I am returned twice to them unopened. However there were charges on the card. The address the card was sent to I was not living at XXXX of XXXX. So not only did I not apply for the card, I could not have received the card, and it was returned to them unopened. I don't understand how the original company did not see that an unopened card envelope had charges on it and investigate this back in XXXX. I tried to explain this XXXX  the lady didn't believe me put me through to her supervisor who also did not believe me and hung up on me it's an emotional time I not working I'm not getting my unemployment I try to explain this to them and put them telling me that they're sending somebody out to serve me for a complaint to me this is scare tactics that are not needed especially in a time like this she gave me the information for the card then they are nasty with me telling me that was that company no longer owns the card I informed them that I was contacting them back and let them know that the company was investigating are there end the fraud use of the card so I can clear my name they didn't want to hear any of this
Product: Debt collection

i made a settlement agreement with the company and paid the amount in payments then it was taken off my credit report then it came back on and now is saying that i have a collection
Product: Credit reporting or other personal consumer reports

There are accounts that are shared with the credit bureaus that has personal information that I did not authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. XXXX, XXXX, Equifax has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

These addresses do not belong on my credit report. 

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: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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: Debt collection

A woman named XXXX called and said she represented her client XXXX and XXXX they would sue me if I didn't pay. I said they should have never sold my debt to her office that this debt is old. She said who sold debt and threatened to report it again to the credit bureaus. I hung up because she was raising her voice to me and I told her she called and woke me up it was around 8 this morning.
Product: Credit reporting or other personal consumer reports

I am currently in the process of buying another vehicle and of course, car dealerships have to run my credit report. Upon them running my report, each individual dealership has come back and all said the same thing that the charged off account for XXXX financial is causing the barrier in my consumer transaction to be approved and completed. I have disputed this account previously with the credit bureau, the company directly as well as the CFPB to no avail which violates 12 CFR 1022.43. The balance has been reporting inaccurate for over a year Which is a blatant violation of the Fair Credit Reporting Act found at 15 United States code 1681 as it has not been reported accurately repeatedly. The current reporting balance that was recently furnished to all XXXX major credit reporting agencies is/was {$27000.00}. The actual and current balance is {$24000.00}. The company has not made any previous good faith effort to correct the reporting or deleted after the previous disputes and are willfully and knowingly violating the FCRA. This makes them criminally liable Pursuant to 15 USC 1611 and civilly liable under 15 USC 1640
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the unauthorized accounts and inquiries listed below from my credit report. My personal information was compromised in a data breach, and these entries were fraudulently created using my identity. 
Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these accounts and inquiries be blocked and permanently removed from my credit file. 
Unauthorized Accounts XXXX. XXXX o Account XXXX : XXXX o Open Date : XX/XX/XXXX o Balance : {$980.00} XXXX. XXXX o Account XXXX : XXXX o Open Date : XX/XX/XXXX o Balance : {$7500.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX o Open Date : XX/XX/XXXX o Balance : {$86000.00} XXXX. XXXX XXXX o Account Number : XXXX o Open Date : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX  o Account XXXX : XXXX o Open Date : XX/XX/XXXX o Balance : {$7600.00} XXXX. XXXX o Account XXXX : XXXX o Open Date : XX/XX/XXXX o Balance : {$14000.00} XXXX. XXXX  o Account XXXX : XXXX o Open Date : XX/XX/XXXX o Balance : {$890.00} XXXX. XXXX  o Account XXXX : XXXX o Open Date : XX/XX/XXXX o Balance : {$7500.00} XXXX. XXXX o Account XXXX : XXXX o Open Date : XX/XX/XXXX o Balance : {$1600.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX o Open Date : XX/XX/XXXX o Balance : {$7500.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX o Open Date : XX/XX/XXXX o Balance : {$74000.00} XXXX. XXXX XXXX XXXX o Account Number : XXXX o Open Date : XX/XX/XXXX o Balance : {$0.00} Unauthorized Inquiries XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Identity theft affidavit, police report, ftc complaint, and statement of fraudulently obtained accounts has been provided and Discover will not remove the fraudulent debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so beyond tired of this. I never opened a credit card since I was XXXX. Both cards were closed. When I was in high school, I lived with m aunt XXXX ( XXXX ) XXXX XXXX XXXX while my mom worked in China. A XXXX credit card was opened in my name, three XXXX XXXX  cards were opened in my name. A XXXX gas card was opened in my name. A XXXX XXXX card was opened in my name. A Macy ' card was opened in my name. A XXXX master card was opened in my name. A XXXX XXXX Master Card was opened in my name. They were all maxed out. I was an innocent XXXX XXXX. XXXX continued to wait until the death of my grandfather. She opened an XXXX XXXX card in his and my name ( because he was dead and I was alive. ) She opened a XXXX and opened a XXXX XXXX in my grandmother 's name. XXXX has been visiting XXXX XXXX to obtain these cards and max them out. She even flew to XXXX XXXX XXXX to steal an outdated check from my grandfather for {$3000.00}. It it is video, she claimed to be cosigner. I graduated college and am done with this XXXX. Please HELP!!
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 XXXX XXXX XXXX. 

Account Name 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 card

I've consistently made timely payments on this account, ensuring they are never overdue. However, I'm uncertain about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Product: Mortgage

Ocwen Financial has barred me from paying by check or ACH since I transposed my account number by error. After months of successfully paying online the mortgage company has increased the cost to me of serving my loan while they make XXXX of dollars off of it. It 's unethical and damaging.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, upon obtaining a copy of my credit report, I noticed that there is negative/inaccurate information reported. Entry listings for charge-offs in the amounts XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ). 
As per IRS publication 4681 section on Canceled Debts, Cancel Debts ( Certificates Of Indebtness ) are considered income. Income can not be reported on a consumers credit profile or to credit agencies. This is a direct violation of the Privacy Act Of 1974 ( 5 U.S.C. 22a ), as well as FCRA. I have the right to make sure my private information isn't shared which is also backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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 XXXX years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681 ( e ) states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, I, XXXX XXXX am a consumer and natural person fully aware of my rights protected by The Congress under the Fair Credit Reporting Act ( FCRA ). I write to bring attention to the violation of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 by the accounts listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The provisions of 15 U.S.C 1681 Section 602 A guarantee my right to privacy.

Furthermore, 15 U.S.C 1681 Section 604 A Section 2 specifies that a consumer reporting agency can not furnish an account without obtaining my written instructions. I request the immediate deletion of this account, unless you wish to be held liable for {$1000.00} per violation. 

I expect that this matter will be addressed promptly and that the necessary actions will be taken to rectify the inaccuracies in my credit report. 

Best regards, XXXX XXXX