23daVinci/CFPB_Complaints huggingface dataset:
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. XXXX : # XXXX, : XXXX # XXXX, XXXX # XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

I had a car loan with Gateway One Lending in XXXX of XXXX. Unfortunately, I had to file bankruptcy in XXXX. When I did Gateway One was one of the lenders that were part of the bankruptcy. In XXXX of this year, Santander Consumer Finance reported an account that was part of my bankruptcy because they bought out Gateway One well after my account with Gateway One. Santander not only is filing on my credit that I had an account in BK with them but they are also changing a couple of the numbers to closely match the Gateway Account. Santander also showed the account as a charge-off with a balance which XXXX  has already removed and changed it to part of the BK and XXXX balance. I do not understand how Santander can show an account on my credit when I never had a loan with them. If they can, I ask how can they show the same account/loan filed under two different names, Gateway and Santander? I feel this is a very fraudulent report from Santander and needs to be removed from my credit. When Santander reported it last month my score dropped over 80 points. This made our mortgage company decline us buying our home. We hated to file BK, but we did and have been paying any and all of our loans perfect. How can an outside financial institution just add this to our credit just because they bought out a lender that we dealt with and again I say that we never had a dealing with. Not a contract or anything. Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

After discovering this debt with Discover XXXX that did not belong to me. I began years ago asking for validation, send the police reports even attempting to negotiate a settlement to remove this fraudulent accounts. The company refused to validate or provided provide an opportunity to resolve the debts. I have contacted them by mail and phone, my certificate letters asking for validation of the debts and proof had been ignored, they have given me no options to resolve since this debt does not even belong to me and have after my recent attempt to work with them to get removed this debts removed since is not mine. They update this old debt to my report with wrongful identity information which caused my XXXX  score to decrease. I have exhausted all efforts to work with this company to resolve the issue with this debts being reported which does not belong to me, they refuse being reported which does not belong to me, they refuse to effectively communicate.
Product: Debt collection

I am submitting a complaint against Orion Management Collection regarding a debt they have reported on my credit file that I do not recognize. I initially contacted this company in XX/XX/XXXX, requesting that they remove this collection account from my credit reports as I do not recognize the debt in question. 

Despite my request and dispute, Orion Management Collection continues to report this debt to all three major credit bureaus, with conflicting date opened entries that change across the bureaus all inaccurately claiming it was opened in XXXX. This information is inconsistent and misleading. 

In response to my dispute, I requested validation and an itemized breakdown of the debt, including how the alleged amount was calculated. Instead, the company provided only a copy of a rental purchase agreement dated XX/XX/XXXX. This document raises further concerns : It does not reflect the XXXX date opened that Orion continues to report to the credit bureaus. 
It lacks an itemized statement of the debt there is no breakdown of charges, payments, interest, fees, or how the current balance was reached. 
There is no evidence provided that this debt belongs to me, nor that Orion has legal authority to collect it.

I believe this company is in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by : Reporting inaccurate and inconsistent information Failing to validate the debt properly when requested Continuing to report a disputed debt without proper investigation or correction I respectfully request that the Consumer Financial Protection Bureau investigate this matter and ensure that Orion Management Collection either validates this debt with proper documentation including a full itemized statement and evidence of their right to collect or removes this account from all credit reporting agencies.

I will be attaching the rental agreement that Orion provided as validation so that the CFPB may review my evidence.
Product: Money transfer, virtual currency, or money service

Cashapp not being able to talk to customer service
Product: Debt collection

On XX/XX/XXXX, I received a letter from Convergent Outsourcing offering me a settlement on a debt I do not recognize. On XX/XX/XXXX, I mailed them a debt validation letter which clearly stated " I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. '' Despite this, the company has not responded to my validation request and they have continued to call me. 

On XX/XX/XXXX they called me again. I called them from a different number and refused to identify myself until they told me the name of the company which they did not want to do. They confirmed that it was Convergent. They are additionally using caller ID spoofing in order to appear to be calling from the same state that my phone number is from. 

They have called from the number XXXX at the following times. They never leave a voicemail. 
-XX/XX/18XXXX and XXXX XXXX -XX/XX/18 XXXX XXXX -XX/XX/18 XXXX XXXX -XX/XX/18 XXXX XXXX -XX/XX/18 XXXX XXXX -XX/XX/18 XXXX XXXX XXXXXX/XX/18 XXXX XXXX and XXXX XXXX They have also called from the following numbers at the indicated dates. All numbers are spoofed. 
-XX/XX/18 XXXX -XX/XX/18 XXXX -XX/XX/18 XXXX -XX/XX/18XXXX XXXXXX/XX/18 XXXX
Product: Credit reporting or other personal consumer reports

Nelnet appears to have broken my student loan from XXXX loan into many, reporting on each chunk of money individually. When signing for my loan, it was explained via phone as XXXX loan, not many smaller loans. Specifically, they broke it into XXXX different parts. So XXXX late remark on each appears on my credit report XXXX times, rather than the XXXX it should. 

Nelnet is intentionally doing this, as Ive seen many other reports of this from others online. This is intentional abuse of the credit reporting system and should be penalized. This XXXX mistake will take me YEARS to fix, even if removed right now. My credit dropped XXXX points because of this. 


I have XXXX XXXX XXXX reports from the same loan, as well as XXXX different balance increases from the same loan.
Product: Mortgage

In late 2022, our home mortgage was sold to a new company : RoundPoint Mortgage Servicing Corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX In XX/XX/2022 I registered for a new account with RoundPoint and received a confirmation that my account was set up, and I was able to pay my mortgage online in XX/XX/2022. 

Starting in XX/XX/2022, the site no longer recognized my password. I attempted to reset it and have a password update link emailed to the email on file, but the reset links never arrived in my inbox. Since XX/XX/2022, I've emailed RoundPoint numerous times, asking for help in resetting my password so that I can access my account information. I never receive a personalized response. Each time, I receive an automated email response saying that they've reset my password and providing a new one, but each time I attempt to use the new password, it isn't valid. 

If you try to call RoundPoint 's customer service phone number, it's impossible to reach a human being to receive help. I've tried numerous times to navigate the automated touchtone phone menu, but each time I receive automated information. 

The only way I can pay my mortgage other than mailing a check, which I'm not comfortable with, is to use their pay-by-phone automated system, which is time-consuming and not customer-friendly. 

I would like to lodge a complaint against RoundPoint for shutting me out of my account and refusing to speak with me about my mortgage account access issues
Product: Credit reporting or other personal consumer reports

I called on XX/XX/year>, XX/XX/year>, XXXX to get these hard inquiries deleted from my account due to I didnt authorize these inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Was told disputing online does not work even though that is an option on the equifax website. 
I called on XX/XX/year> spoke to XXXX the supervisor reference # XXXX
Product: Vehicle loan or lease

The company XXXX XXXX XXXX. ( XXXX ) has been incorrectly posting my payments. They have no ideal on how principal, and interest payments work on auto loans. Also, they have no ideal how the daily per deim works on auto loans. XXXX XXXX XXXX. are missing applying my payments, and are consistently reporting incorrect payoff amounts for my vehicle. Every time I make payment ... XXXX  XXXX XXXX. calculates obscured amounts on how the payment is applied on the loan. Even with the late charges, etc. Please, assist ASAP. Thank you!
Product: Debt collection

XXXX XXXX of portfolio recovery Associates LLC. File a plaintiff against me after I dispute the amount. They dont even send me anything on what happened to the dispute I filed. They dont even send me any paper work explaining on what happens to my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX inquired on XX/XX/2022 ; XXXX inquired on XX/XX/2022 The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. Did not consent to unauthorized inquiry.
Product: Checking or savings account

I filed a dispute with my bank for merchandise that was purchased from bestbuy.com for the amount charged to my card of {$520.00}. 

Wells Fargo investigated the charge and they determined they sided with XXXX XXXX stating the product was delivered. I disagreed with the dispute resolution because I did not receive the product. I was not home at the the time the package was delivered. They stated per terms and conditions of XXXX XXXX Wells Fargo has to abide by their conditions and I told them no that is not correct. You guys don't need to follow any of their terms and conditions specially if they were at fault. If this is the case than you are not allowing for consumers to dispute items that were never delivered and actually prevents customers from disputing charges for items that were never delivered. Just because an item is delivered does not mean it arrived to the receiver of the purchase. 

In this case the laptop was never delivered to me because I was not home at the time the delivery was made. The package required my signature and XXXX did not get my signature. All they did was write my name on the tracking information. XXXX XXXX would not work with me on this either. ( I will file another CFPB complaint with XXXX XXXX ) They continued to ignore my side of the story and never got the chance for me to rebuttal XXXX XXXX claims. Wells fargo just sided with them and ignored my evidence. This is not only wrong but it might be illegal as I have a right to dispute the charge and I have a right to defend my dispute. Wells fargo did not give me that right to defend it. I have a right to get my money back from this as I never received it. I have a good amount of evidence showing I was not home. This includes witnesses as I was attending a family member due to her broken elbow. 

Overall I am filing a complaint as this is not only not fair but illegal if I am not able to contest findings and I feel that I deserve to get my money back from it but instead Wells Fargo refuses. 

I also attempted to dispute unauthorize charges and instead they closed my accounts so now I am out with more money. 

I went with another bank and they told me I would have won this case because there was no evidence a signature wa gathered by XXXX and it is on the seller to obtain signatures and file an insurance claim with the carrier.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a payment of XXXX from my car loan that dinged my credit card score. I paid the amount in full on XX/XX/2018. The delinquency was not removed from my account. 

I missed a payment with American Express that also ruined my credit card score. I am now in a debt management program that is paying my debt down. Can you forgive my {$3600.00} credit card debt that I have currently? 

I also have a {$5000.00} credit card with XXXX XXXX. I am currently paying it down. Can you please forgive this debt as well? 

Lastly, I have a {$1800.00} XXXX gas card debt as well. I am currently paying it off. Please help me. Please forgive this debt too. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pulled up a copy of my credit report and seen there were some accounts that are not mines and will need them removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below XXXX XXXX XXXX XXXX XXXX  CMRE Additionally, I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX XXXX XXXX XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to XXXX XXXX XXXX XXXX XXXX XXXX XXXX is to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPA authorization. 
1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. 

I have a copy of my Drivers Licenses and Social Security Card for verification purposes. Please notify me that the above items has been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 

Please delete the address and multiple name spelling XXXX XXXX XXXX XXXX XXXX Texas I never lived there
Product: Credit reporting, credit repair services, or other personal consumer reports

This dispute with XXXX has been ongoing since XX/XX/2022. It took extremely longer than 30 days for anything to be addressed which is the catalyst to why improper reporting even took place. After initiation of the dispute my account was closed. This created difficulty submitting requested docs via the portal and accessing their responses as XXXX suspends consumer online accounts as a result of account closures. I have proof that telephone correspondence was to no avail even after getting multiple XXXX 's representatives recorded, admitting to the dispute mishandling and promising to correct the inaccurate reporting, no accountability has been taken. XXXX refuses to stand behind a multitude of their trained staff. 

As of recent, the XXXX XXXX XXXX XXXX XXXX has been handling this matter. They have sent out two notices. One admitting that they feel the XXXX host still deserves the right to be paid despite illegally recording, my family of XXXX including XXXX minor children in the XXXX, which is against XXXX and Fair Housing policies. They also sent out a second letter acknowledging that I was led to believe corrections would be made to the account that they now refuse to honor. 

They only thing they've honored is removing the late fees from XXXX XXXX. However, if you deem that the late fees should be reversed due to the account being in dispute this whole time, why don't you agree that my credit report ( which has a way larger impact ) shouldn't reflect the same? 

Instead, they are sharing inaccurate information that is no longer reflecting on their side and I DO NOT CONSENT TO THAT INFORMATION BEING SHARED. They keep adding remarks to my credit report without my request when everything should be removed. They are aware of the multiple recordings that I have from XXXX, XXXX, XXXX, XXXX, XXXX, etc that all have said that my account should not be in that status during dispute and the negative reporting should not have been made. Yet, they will act as-if they are doing the consumer a favor by reversing fees that shouldn't have been imposed while their life is falling apart due to inaccurate and unfair credit reporting. 

I will be pursing XXXX for the damages their actions alone have caused as many other creditors have retaliated as a result of their claims despite my due diligences and efforts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX To Whom It XXXX Concern : I received another copy of my credit report with the intention to trying to improve my credit and noticed their was not an complete update to my credit report on the previous reported claim with lender. I know the information associated with the account is not correct and needs to be updated or DELETE THE ACCOUNT. Unfortunately, my experience with XXXX XXXX in the end was not fond. On XX/XX/XXXX, I received a letter ( attached ) from XXXX XXXX informing me they were closing my credit card account with a refund of {$50.00}. Again, since XX/XX/XXXX the account was supposed to be closed since the received mailed letter. In turn that means any charges after XX/XX/XXXX, the closing date of the account NOT ANY DATE AFTER XXXX, should be removed and/waived off the CLOSED ACCOUNT. This in turn showed me I did not owe them any monies after XXXX XXXX closed the account. The Fair Credit Reporting Act where it said by law, I have the right to challenge anything I am sure is not up to date. 15 U.S.C.Sec. 1681i ( a ) gives me the right to request the account deleted if they do not make the account 100 percent correct or up-to-date.

Please complete the following to update the account or delete the account entirely : Account Name : XXXX XXXX Account last XXXX : XXXX Closing date of XX/XX/XXXX not with the date of XX/XX/XXXX. THE DATE IN XXXX WAS A LATE REPORTING FROM XXXX XXXX  NOT THE ACCURATELY REPORTING THE CLOSING DATE OF THE CLOSED ACCOUNT BACK I. XX/XX/XXXX. 

Remove any late payment dates AFTER XX/XX/XXXX LETTER STATED THEY CLOSED THE ACCOUNT ( XX/XX/XXXX and XX/XX/XXXX late payment reported after XXXX XXXX closed the account IN XXXX ) Waive all the late fees and charges on the account incurred after XX/XX/XXXX ( account was CLOSED PER MAILED LETTER FROM LENDER ). 

Change the BALANCE and AMOUNT PASS DUE on the credit report from {$0.00}. ACCOUNT WAS CLOSED ON XX/XX/XXXX PER MAILED LETTER CUTTING A CHECK SHOWING ACCOUNT WAS FULLY PAID IN FULL ). 

In addition, the reported misinformation on my credit report as stated above as of XX/XX/XXXX is attached. Thank you for your assistance.
Product: Consumer Loan

I was injured in XX/XX/2016 an was unable to make some payments on this bill in person. I regular pay in person and have paid more then my bill due at times. With the help of my son to personally go and pay in person, he was always turned away due to he was not the person of the account. It does n't make since to me when someone is paying a bill. For some reason Chase are stating it is a law. I never heard of this before. Also when attempting to pay online all of a sudden the account was removed. Due to my injuries I was unable to talk directly to Chase ( XXXX ) but kept corresponding in e-mail with being only told that someone will get back to me. No responses, and would not allow people that tried to handle and pay the bill for me to process business. Now I 'm being told my car is out for reposition and I am highly concerned about this. Their practices is not right. And refusal of pay is not right. I faithfully with the help of my son when on leave attempted to pay this bill over and over. How could this be of good practice for a consumer. And paying someone 's bill is not an result in identity theft. There are many wrong practices within the banks itself. and it 's not the first time I have had someone to pay this bill for me. Previously it never been a problem. If they had not rejected the ill being paid on time. My account would be current as it had in the past but unfortunately I was injured badly and had someone to pay my bills. When did it become a law that you ca n't pay a bill. No one was making a withdrawal nor viewing personal info. Now I 'm being to surrender my car and that it is out for repossession or to pay XXXX in full. This just is n't right.