23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Convergent outsourcing is doing what they do and trying to collect a debt for XXXX XXXX that I recently worked with XXXXXXXX XXXX to remove it from my credit report. It is confirmed removed by XXXX XXXX  multiple times and again today. Convergent outsourcing is trying to collect a debt the original creditor investigated and removed all XXXX $ $ from my credit report. Then convergent comes again trying to collect and messing up my score. Contact original debtor XXXX XXXX and they will tell you there is nothing owed. They removed it in XXXX.
Product: Credit reporting or other personal consumer reports

In response to the credit reporting agencies ' assertion of a thorough investigation resulting in verified accounts, I am left baffled by the persisting inaccuracies glaringly evident on my credit report. As a consumer seeking clarity and resolution, I demand a detailed account of the purported investigation process undertaken by your agency. It is imperative under 15 U.S.C 1681i ( 7 ) that I am informed of every step executed to ensure the absolute accuracy of these items. Transparency and accountability are non-negotiable as I navigate the resolution of these discrepancies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Within the last three months and never gave me a chance to squash legally or denied and be notified assisted the criminal illegally to commit fraud then denied the rightful entity she was obligate as the branch manager to be concerned about this matter she said she was was sorry numerous times assuming liability personally as I am about sure she knew she would incriminate herself XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that i had lates payments on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payments for the account : XXXX XXXX XXXX XXXX Account number : XXXX, please investigate and provide proof with statements showings that this payment was late. if proof can't be provide i demand this payment be updated on time as they should be as i was NEVER late. thanks Date of reported late payment : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im dXXXX now.with no help
Product: Credit reporting or other personal consumer reports

I am a victim of multiple data breaches resulting in identity theft. Not able to login to XXXX, XXXX, XXXX. Been receiving email alerts my credit score dropping weekly due too inquiries. Credit Reporting Agencies have incorrect addresses, ssn #, phone numbers, names. Four credit cards have been opened using some of my information. This has been happening for 5 years. Disputed items on credit report with Lvn Funding. The information according to XXXX  XXXX has a address in Michigan. I have never lived in Michigan. They have failed to provide sufficient explanation of how they verified this information. I have never signed Contract with lvn funding nor do I appreciate my personal information being distributed and has affected my inability to obtain credit. It is a embarrassment and humiliating to be called uncredited worthy for accounts I did not apply for. I have XXXX hard inquiries I have no idea who they involve or detail. Lvn funding states account {$590.00}, XXXX XXXX  {$300.00}, XXXX XXXX  {$180.00}.
Product: Checking or savings account

I was charged bank fees and overdraft fees. I had two accounts with Navy Federal in XXXX and XXXX
Product: Credit card or prepaid card

We sent a check for a monthly payment of {$100.00}. Wells Fargo drew {$1100.00} out of our account. We are getting lies and run arounds instead of returning our {$1000.00}. after contacting them 5 times we are no closer to getting reimbursed.
Product: Debt collection

In XXXX I got a personal loan from XXXX  XXXX XXXX. The loan was wrote off as bad debt and sold to Alliant Capital Management. I received a call from them yesterday ( for the second time after talking to them a month ago ) from XXXX in reference to account number XXXX. The collection agent informed me that they were going to file criminal charges for fraud towards their company they were collecting for XXXX XXXX XXXX as well as garnish my wages/bank for funds owed. I informed the representative I spoke with his company the month prior and informed I filed Bankruptcy in XXXX and it was discharged in XX/XX/XXXX. I informed XXXX XXXX XXXX was in fact included. I informed the representative that this time they would be hearing from my attorney for pursing the debt after notification. I did contact my attorney and was told he would be sending a cease and desist notification as well as a notice of what could happen if they continue. I have also contacted the XXXX and MO attorney general ( since I work in Missouri, but live in XXXX ) and now you all. I don't want money, but I do want their predatory collection practices looked into and the company fined for threatening with out intent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX and XXXXr all ftc violations The Federal Trade Commission has charged the XXXX XXXX with falsely promising consumers they would receive a loan with no hidden fees, when, in actuality, the company deducted hundreds or even thousands of dollars in hidden up-front fees from the loans. 
of the XXXX  XXXX breach comes just one week after the Federal Trade Commission announced that XXXX  agreed to pay up to {$700.00} XXXX to settle a lawsuit brought by the FTC, the Consumer Financial Protection Bureau, and 50 states and territories, stemming from the credit reporting giant 's XXXX data breach, ... 
The FDIC says the XXXX units violated the Federal Trade Commission Act by falsely : Telling customers they wouldn't be charged a fee if they didn't carry a balance. Assuring customers fee refunds would be issued to those who canceled coverage within 30 days.XXXX XXXX, XXXX USA : FTC closes XXXX XXXX investigation into alleged stolen client information Financial ServicesPrivacyEnforcement The Federal Trade Commission ( FTC ) sent, on XXXX XX/XX/XXXX, a letter announcing the closure of an investigation into allegations that a XXXX XXXX XXXX XXXX XXXX employee misappropriated client information and transferred it from the XXXX XXXX computer network to a personal website accessed at work, and then onto personal devices ( 'the Letter ' ). The Letter states that XXXX XXXX XXXX   data security practices may violate Section 5 of the FTC Act and claims that an employee stole client information that later appeared on multiple internet sites. 

The Letter lists the FTC 's reasons for closing the investigation, including the fact that XXXX XXXX had already implemented policies designed to protect against insider theft of personal information. 'The FTC 's decision to close the investigation should not be construed as a determination that a violation did not occur, just as the pendency of an investigation should not be construed as a determination that a violation did occur [ ... ] The FTC reserves the right to take such further action as the public interest may require, ' the FTC said.
Product: Mortgage

This is a follow up to complaint filed XXXX. I submitted a claim for wind damage on the property that I thought was on the covered by the loan in question. The loan was denied because the insurance company which was provided by Shell Point Mtg Servicing covered a different property. I have tried to get an original copy of my loan documents several time since XX/XX/XXXX and the last time was XX/XX/XXXX. 

Now I don't know exactly what property this loan is on. I am becoming more concerned as time goes on because all I get is the run-a-round from Shell Point Mtg on any question. They can not tell me what property they are holding mortgage on. 

Thank you
Product: Mortgage

We received a letter stating that our mortgage loan was being sold to XXXX XXXX XXXX from XXXX on XX/XX/2019. Our welcome letter from XXXXXXXX XXXX XXXX was dated XX/XX/2019. I was suppose to make my first payment on XX/XX/2019 but when I tried the payment was returned to me. I tried to call multiple times with wait times over 30 minutes. I finally got to speak with a real person and they informed me that my loan wasn't in the system yet and my payment wouldn't be due until XX/XX/2019. Tried to pay two different times in XXXX and both payments were returned to me. I tried to mail a check on XX/XX/XXXX and they mailed a check back to me. I called again and they said I still wasn't in the system yet and they couldn't take my payment until my loan was in the system. I finally got my payment of {$1000.00} to go through on XX/XX/XXXX by paying on their website. I was a month behind, so in XXXX I made two payments of {$2100.00} to bring my loan current. They never added the payment to my account, so my loan has been behind since it has been sold. I have provided bank statements three or four times to their cash department. They informed me that the bank statements weren't enough, so asked for me to get a letter from my bank stating that the payments had cleared. I provided this letter to them and they still haven't fixed my account. A month after my account was sold to them, my payments were raised even though my house insurance went down. When I called about this they didn't have an explanation for me and said someone would get back with me after looking into my account to find out why. This has been going on for over a year now. We have had several investigations opened on our account and they will close the investigation with no contact to us and nothing being corrected. My credit score took a huge hit because they reported that we haven't made payments on our loan even after providing all documents they have requested to prove we have made our payments. On top of them losing the payment, they didn't pay my property taxes last year and we received a letter from our County Treasurer saying a lien was put against our house. They did correct that issue after I had to send in lots of documents proving a lien was put against the house.
Product: Money transfer, virtual currency, or money service

I believe it would only be a fair resolution and one that makes sense. For XXXX XXXX to refund me the money I lost due to their misconduct
Product: Credit reporting or other personal consumer reports

I am writing to urgently notify you that I have been a victim of identity theft, which has led to multiple fraudulent accounts and inquiries being added to my credit report without my knowledge or consent. I am demanding immediate action to correct this serious issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I have already filed an official identity theft report with the Federal Trade Commission ( FTC ), and I now require the prompt removal of these fraudulent accounts and inquiries to restore the accuracy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XXXX i sent the CEO of experian in derivatives in any names of ; statment of fact. demanding he/she provide verification under penalty of perjury. that by law he/she has the right report my XXXX information ; i give nor gave any Writen nor verbally permission to report on my behalf. the reporting is damaging me, mentally and physically. if the matter is not correct within 30 calendar days. i will process with the matter in a district court in front a jury not a jury trail. am stating on the record and let the record reflected am the consumer, living breathing man, administratoXXXX, beneficiary and executive of name and estate. i have reason to believe and do so great faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Product: Credit reporting or other personal consumer reports

Equifax is reporting fraudulent inquiries on my credit profile after I have asked them multiple times to remove them. They are being paid by companies that I never did business with to report false information on my credit profile causing great harm to my credit and making me look bad to creditors. I have never authorized these inquiries, and I demand that they be removed off my credit profile. I know that only 100 % information can be reported on my credit profile and that any inaccurate information must be removed. These inquiries has caused me to be denied credit and has caused me great financial harm because I can't obtain credit and was denied several loans due to this inaccurate information, they refuse to remove off my credit report. I am asking that the CFPB make this company abide by the FCRA rules and demand them to remove the inaccurate and false information on my credit report. The inquiries listed below do not belong to me I never gave them permission to obtain my credit profile or gain access to my social security number. REMOVE NOW *XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

Per certified mail tracking, It's been 2-3 months. No information was given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On XXXX, XXXX XXXX XXXX  and FTC
Product: Credit reporting or other personal consumer reports

I have filed numerous complaints on XXXX transunion and XXXX for not following reasonable procedures in regards to blocking deleting XXXX XXXX from my XXXX transunion and XXXX credit reports.ive filed XXXX ftc report and sent numerous dispute letters In regards to XXXX XXXX  account from credit reports.on XX/XX/year> this account was removed from my credit report and my score went up XXXX XXXX XX/XX/year> the credit agencies added it back on my credit report and my score went down XXXXthey violating my federally protected rights and I need your help protecting my rights.i am attaching proof that transunion XXXX and XXXX removed XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my consumer reports on XX/XX/XXXX and added it back on XXXX XXXXaccording to section 605 6 ( a ) ( a ) they have duty to not to add items back on my report after removing them for identity theft.please help me XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and I'm trying to purchase a home for my XXXX kids before I die.please help me.theybare causing much stress and XXXX  XXXX  from violating my rights.i really need you to step in and help protect my federal rights under 15 usc1681c-2 in regards to blocking this account I am a victim of identity theft and several data breaches.ive files ftc report which I'm attaching as proof as well as the dispute letter I've mailed to all 3 bureaus numerous times.
Product: Credit card

Morning of XXXX Received an email from Amex that my account was cancelled. 

We are writing to inform you that, after a recent review, your American Express account ( s ) listed above have been cancelled.

Heres what that means No further charges will be approved, so please ensure any Additional Card Members are aware of this change. If you have any recurring charges on these accounts such as telephone or wireless charges, please contact that company immediately to ensure these bills do not go unpaid. You should also destroy any Card ( s ) you may have for the account ( s ). '' For more information, I need to log in and check the message center.

When I do, I get a message is " unavailable '' note copied below- When I called numerous times - I've been placed on hold without an answer for over minutes -- given the option of a call back that did not happen. 

" This message is unavailable. 
Because this account has been closed, we're unable to load some account information. Please check to see if you also received a mailed copy of this message. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter with respect to mistaken and obscure things on my credit report. Right up 'til today, more than 60 days after the fact, I have not gotten a reaction yet. I have an inclination that I'm being exploited and being overlooked of my questions. Area 611 ( a ), it is doubtlessly expressed that an inability to examine these things inside 30 days gives motivation to eliminate those things from my credit report right away. It has been more than 60 days, so they ought to be erased speedily. I request these records be erased promptly, or I will petition for suit because of the pressure you caused me. My data was additionally affected by the XXXX information break and may have under the control of some unacceptable individual. 

I XXXX XXXX authorize this dispute on behalf of myself. I have not hired or received assistance from any third party company in preparing or submitting my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV collections are refusing to remove accounts from my credit report. I'm currently on the phone in regards to this matter with the agent/supervisor. This is damaging my reputation which is a violation pursuant to the FCRA. I've applied for credit and was denied due to this, I also have a right to privacy and theyre willingly and knowingly reporting inaccurate information on my credit file. I also never gave this company my written permission to furnish on my credit file. They have stated that theyre not required to provide a consumer with a validation of debt, and that a verification of debt is all theyre required to do. I'm disputing this account on those grounds. I do not validate this debt at all, so how can they validate?. They can not, so i'm requesting for these alleged accounts to be removed from my credit file immediately.
Product: Credit reporting or other personal consumer reports

I explain to Capital one I don't have XXXX account somebody using my credit card that this fraud and you are holding accountable I need fix they told me i have to contact the Bureaus. First told me it is being investigated, and I have heard nothing I have even provide them proof
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with XXXX XXXX. XXXX and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as XXXX supporting my identity theft claim. As per XXXX XXXX  XXXX, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through XXXX mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from my credit report.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

KIA Financial has reported incorrect late monthly payments to all credit reporting agencies. It reported incorrect information from XX/XX/2020 to XX/XX/2020. Four out six months were reported incorrectly. I wrote a letter to KIA Financial to try to correct the issue and they continue to disagree. I have called and no one says they can help me. I have been trying to resolve this dispute for several months now. Very disappointing in the middle of a pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have a complaint to this company. 
The account is closed and still report and interest is inquiring on account the account been closed sine XX/XX/XXXX. the account is still being updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Credit Reporting Act XXXX  Account last numbers XXXX reported by XXXX reported for the months of XXXX & XX/XX/2017 has violated my rights per 15 USC 1681 Section 602, which states I have a right to privacy. 15 USC 1681 section 604 A, section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B states a creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.