23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have an unverified account from Convergent Outsourcing , Inc . I had previously disputed this account. I have never done business with Convergent Outsourcing , Inc. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Convergent Outsourcing Inc . Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Convergent Outsourcing Inc . Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
Product: Vehicle loan or lease

On XX/XX/year> I noticed a payment in the amount of {$400.00} was deducted from my checking account for an auto loan payment. However I did not schedule this payment, authorize capital one to take this payment from my account or set up auto pay for this auto account. When I called capital one regarding this unauthorized charge and to request that the money be returned back to my checking account the agent said that I must of scheduled the payment, which is false. When I asked when I supposedly scheduled this payment the agent responded Im not sure maybe some time last week. Again I never scheduled this payment. The agent also stated there was nothing she could do. She stated that I would have to call the bank and put a stop payment on the charge. The account was past due and capital one decided to take the payment from my checking account without my authorization since my banking account information was saved in their system.
Product: Money transfer, virtual currency, or money service

Hello I accidentally XXXX  XXXX {$90.00} on XXXX. 
I contacted him a few days later and he admitted he didnt know me and the transfer was an error. 
Subsequently he refuses to return the money. 
I reached out to my bank and they said to contact your organization. 

I was off by one digit when sending the money by phone number but the transfer is instant so there was no buffer period.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized and Inquiries on Equifax 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 In accordance with the Fair Credit Reporting 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681 section 604 A section 2 : also consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau 1700 G Street NW Washington, DC 20552 Federal Trade Commission XXXX XXXX XXXX XXXX Washington , DC XXXX Subject : Inaccurate Credit Reporting by Equifax Dear CFPB and FTC, I am writing to formally address a concerning issue regarding my credit report as reported by Equifax. I have noticed that Equifax has been reporting false and misleading information across different scoring models. 

Upon reviewing my credit reports from XXXX and XXXX, I found that there is no XXXX XXXX XXXX XXXX account listed. If the reporting from XXXX XXXX XXXX were accurate, this account should be reflected across all three major credit bureaus. 

I am also including a copy of my Equifax credit report obtained from XXXX for your review. It is clear that Equifax has violated the provisions outlined in 15 U.S. Code 1681, specifically regarding the accuracy and fairness of credit reporting. 

I kindly request that the CFPB take appropriate action to ensure that the inaccurate XXXX XXXX XXXX XXXX account is removed from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I watch my credit reports and scores daily and I understand what makes them change and I have XXXX XXXX XXXX for over 37 years now. I have seen my mortgage balance go down as I pay it and verified this and that all payments are a month ahead and they are being applied correctly. However, because of Transunion requiring the mortgage companies to report a loan balance pay off, it will always look as though the balance is not decreasing. I addressed this with XXXX XXXX  and they agreed. Earlier this year, they sent a letter to let Transunion know that this was not the actual correct report that they require. Now, I have followed every step to reach out to speak to someone on this matter and I have researched this. This is happening across the board with Transunion and I have read so many complaints. This is an unfair practice and it is unjust to consumers that are doing the right thing and should never see their credit score take a hit for any points because of this. Anyone that has been in this field for any amount of real hours would know this request should be invalid and incorrect. I have spent numerous hours being passed around on the phone at Transunion and even sent to a fake department called Credit score handling or special department. I would not be so upset but this is a very unfair way to determine credit standing and no one will take the blame for it. When your mortgage companies are telling you that it is not the correct report that Transunion will require and your overall balance is decreasing and not going up.but your credit is being dropped for a balance increase.. something is wrong. I want to know, who is protecting the consumer? Who is requiring such thing that they know beyond a doubt is inaccurate. Someone has to stand up for the consumer and this seems to be a common practice of a business that is in place to deem whether their credit is viable and suitable, whilst protecting the consumer. Who is watching over Transunion and allowing this to happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS INACCURATE ADDRESSES AND PERSONAL INFO from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

YOU HAVE BROKEN THE LAW. 
I notice that you placed incorrect information in my consumer report. Any late payments are considered a transaction and experience, which is prohibited from being reported on my consumer report. Also, if you are going to report payment history, being late starts at 30 days and you have it starting at 90 days late. There are only 28-31 days in a month so how could I be current on payments one month and 90 days late the next month. 35 % of my calculated consumer score comes from Payment history and by you reporting incorrect information you are letting others know I am not creditworthy. 

Below is the law you have broken and violated my rights. 

Title 15 - COMMERCE AND TRADE CHAPTER 41 - CONSUMER CREDIT PROTECTION SUBCHAPTER III - CREDIT REPORTING AGENCIES 1681a. Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
( d ) Consumer Report. 
( 1 ) In general. The term consumer report means any written, oral, or other communica-tion of any information by a consumer reporting agency bearing on a consumer 's credit worthi-ness,1 credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the pur-pose of serving as a factor in establishing the consumer 's eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions. 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 con-sumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affil-iated by corporate control; or ( iii ) communication of other information among persons related by common ownership or af-filiated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; As you know, each violation is up to {$1000.00}. Not including the actual damages done to me for not being able to get the house I wanted, paying high car notes because of the interest rates, and not being able to get other things. I want you to fix this immediately and compensate me for the damages you have done to my reputation.
Product: Credit card

In a previous CFPB complaint ( XXXX ), Marcus ( Goldman Sachs XXXX advised me that I can apply for a credit card again. I did and I applied for a Marcus Savings account too. Marcus had absolutely no problem taking my money and opening the Savings account ( account number XXXX ), however when it came to credit card application, like before, they asked for a copy of my ID which I provided, yet again they declined the application because they could not verify my identity. 
This is the same financial institution, verifying the identity of the same person, and getting two different results! If they could not verify my identity, why did they open a Sav
ings account in my name? That's against the Know Your Customer ( KYC ) regulations. 
If they could verify my identity, why they are telling me otherwise in the credit card application?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to ALL 3 credit bureaus- TransUnion XXXX XXXX XXXX XXXX several times to have this account with- ( XXXX  XXXX name reported on my credit report ). The first time was for them to verify this account- ( XXXX ) and send me documents of their method of verification and proof. I RECEIVED nothing but a stall letter saying that I the account was verified. The second letter I asked for a reinvestigation and they replied with the same letter and ignored my request. I also pointed out some violations on this account to the bureaus that was also IGNORED. This account have different information reporting from each bureau which lets me know that they are also in VIOLATION of Metro 2 Compliance. Each bureau is showing DIFFERENT account numbers on my credit report, HIGH BALANCE, LAST VERIFIED DATE, OPEN DATE, & CLOSED DATE, just to name a few. This information is INACCURATE which explains WHY the 3 credit bureaus CAN'T verify this account and present me actual PROOF of their method of verification of WHO they verified this account with and the actual ORIGINAL DOCUMENTS bearing MY SIGNATURE.
Product: Credit reporting, credit repair services, or other personal consumer reports

In correspondence dated  XXXX   XXXX ,    2017 I maile d this credit repository my request for a dispute, as my credit report contained a number of erroneous entries.   Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, when I reached out the data furnishers they claimed not to be reporting any of the errors the credit repository is showing and claimed they had not been contacted by the repository either.
Product: Debt collection

A third-party debt collector purchased a debt that doesn't belong to me. I notified them that it was not my debt and I disputed it. On XX/XX/XXXX, the company filed a suit against me in the state of Wisconsin for the amount of {$17000.00}. The company claims to represent the original creditor, yet has provided no contract, or affiliation agreement showing proof of this claim. The company has also failed to provide me with a contract containing my signature, which they claim to have. On two separate occasions, on XX/XX/XXXX, and XX/XX/XXXX, both via certified mail, I've requested this contract. I am now going through litigation and court proceedings as a result.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian, Transunion & Equifax for failing to correct inaccurate late payments on my credit report, despite multiple disputes. 

The accounts in question are : XXXX XXXX Account # XXXX XXXX  XXXX XXXX Account # XXXX I have disputed these late payments five times, but the credit bureaus and data furnishers have failed to correct or properly investigate them, violating my rights under the Fair Credit Reporting Act ( FCRA ). 

Key Issues & Violations : Failure to Reinvestigate ( FCRA 611, 15 U.S.C. 1681i ) : The credit bureau ( s ) must conduct a proper reinvestigation within 30 days and delete or correct any inaccurate, incomplete, or unverifiable information. 
Reporting Inaccurate Information ( FCRA 623, 15 U.S.C. 1681s-2 ) : Data furnishers are legally required to report only accurate information, yet they continue to report incorrect late payments that negatively impact my credit score.

Willful Noncompliance ( FCRA 616, 15 U.S.C. 1681n ) : Despite repeated disputes, the inaccurate late payments remain, demonstrating willful noncompliance with federal law.

Impact on Me : These inaccurate late payments have harmed my credit score, affecting my ability to secure financial opportunities. Since this is my fifth dispute, the failure to correct the errors is unacceptable. 

Requested Resolution : I am requesting immediate CFPB intervention to ensure : A proper reinvestigation of my disputes. 
The removal of inaccurate late payments from my credit report. 
That Experian, Transunion & Equifax and the data furnishers comply with the FCRA moving forward. 

I updated credit reports showing the errors that remain. 

Thank you for addressing this matter promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX rejected my automatic electronic payment from my TD BANK Checking account. XXXX XXXX XXXX then reported my account as delinquent and as a late payment for the month of XX/XX/2018, and also for the month of XX/XX/2018 to various credit bureaus ( XXXX, XXXX, and XXXX ). I filed a complaint XXXX with the Consumer Financial Protection Bureau on XX/XX/2018. XXXX XXXX XXXX responded to complaint XXXX on XX/XX/2018. In their Response XXXX XXXX XXXX admits fault and states that they have issued corrections to the Credit Reporting Agencies. All 3 credit bureaus received corrected information on XX/XX/2018. I have attached a copy of this letter for your reference. On or about XX/XX/2018 XXXX XXXX XXXX did furnish to XXXX  information that was, by their own admission, incorrect. A Dispute was submitted to XXXX  that XXXX  claims to have verified with XXXX XXXX XXXX that their reporting of a late payment for the month of XX/XX/2018 is Accurate. The very same information that XXXX XXXX XXXX in its response to the CFPB Complaint did state that they would remedy and update as a result of their error is now being reported to XXXX  as accurate. XXXX XXXX XXXX has altered its records available to me as a consumer that does not reflect a rejected/error payment, however, reflects no payment at. I believe that this reporting is a willful violation of 15 U.S. Code 1681 ( The Fair Credit Reporting Act ), and it is my hope that the CFPB investigate it as such.
Product: Debt collection

I moved into an apartment complex in XXXX NC, called XXXX XXXX in XXXX, that was managed by XXXX XXXX XXXX, They also owned XXXX XXXX XXXX ( located in XXXX NC ) to which I moved in XXXX. Because they were managed by the same management company, I was able to transfer my lease and deposit to XXXX XXXX XXXX. I lived in XXXX XXXX from XXXX until XX/XX/XXXX. In early XXXX, XXXX XXXX XXXX sold the apartment complex to XXXX XXXX. When I moved out in XXXX, I had a walk through scheduled with XXXX XXXX but the moving company came earlier than expected and I did not do the final walk through, even though I went to the office and requested an earlier walk through, they had no one to do it at that time. XXXX XXXX had my email address, phone number, and forwarding address, in case I owed any charges after moving out. I was told they would send me an invoice for any charges if there were any. From XX/XX/XXXX until XX/XX/XXXX, I checked the resident portal to see if there were any charges, I did not see any, and I also did not receive any mail correspondence at my new address. In XX/XX/XXXX, I was notified by email that my credit report had changed because of something derogatory hitting my credit. When I looked, it was a credit collection agency. I telephoned Genesis in XXXX, and they sent me an invoice with just the amount of {$230.00} on it from XXXX XXXX, for some cleaning they had to do in the apartment. I knew that wasn't correct because it didn't have my {$250.00} deposit listed on the invoice anywhere. I disputed it through XXXX since that was the credit bureau it was listed on, and it was taken off my credit report. On Thursday, XX/XX/XXXX, I received a text from Genesis the same collection agency that put the derogatory mark on my XXXX credit report. I called Genesis on Friday, XX/XX/XXXX to request a validation of debt ( didn't know that's what I did the first time ) and they refused to send me any thing. They said since they sent me the invoice in XXXX, they would not send another one. I reached out to XXXX XXXX XXXX  and they still had my paid invoice with my {$250.00} deposit where I moved into XXXX XXXX and then transferred to XXXX XXXX, and sent it to me today. I want Genesis to know that they have an incorrect invoice amount because my {$250.00} deposit was not added to the invoice, which would mean that I owe nothing for moving out of XXXX XXXX. In reality they XXXX XXXX owes me {$12.00} back from my deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX XXXX and again, I am reporting incorrect account information on All three of my credit reports with XXXX, XXXX and EX. There are four trade accounts, which have been opened without my acknowledgement and are fraudulent. I have taken the liberty of contacting the Federal Trade Commission and am ready to take action against the agencies that continue to list these three account under my name without valid proof. This is not the first time I have been in contact with these agencies about this. I am requesting that effective, immediately all four of the below mentioned accounts be removed and deleted from my credit record - without delay! 

XXXX XXXX XXXX XXXX Acct # : XXXX Opened XX/XX/XXXX. Bal of : $ {$7000.00} XXXX XXXX XXXX Opened XX/XX/XXXX. Bal of : {$5600.00} XXXX XXXX Acct # : XXXX Opened XX/XX/XXXX. Bal of : {$14000.00} XXXX XXXX XXXX Acct # : XXXX Opened XX/XX/XXXX. Bal of : {$1600.00} I have been in continuous contact with all three bureaus and have received no assistance with these complaints. They have advised me that they will not removed the entries and have stated that they will NOT instigate or provide assistance, Even hung up the phone on me. I believe this fraud is actively knows with the bureaus and they too receive some sort of financial aid in playing a part of reporting items that they known to be fraudulent! 

--
Product: Debt collection

I have requested multiple times from midland credit collections company detailed itemized list of the charges they are saying I owe. I am in disagreement of the amount on both as I was working with a repayment company. They have not responded and it has impacted my credit score for years, I turn, I have had to pay higher interest rates because of their false unverified reporting. 

I want the collections removed from my credit profile asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Urgent Request for Immediate Removal of Fraudulent Hard Inquiry from XXXX Credit Report Dear CitizensBank, I hope this message finds you well. I am writing to bring to your immediate attention a grave matter concerning a fraudulent hard inquiry that has appeared on my XXXX credit report. This unauthorized and unverified inquiry is not only inaccurate but also indicative of potential fraudulent activity. In light of this serious issue, I respectfully request your urgent action to remove this fraudulent inquiry from my credit report, in strict compliance with the Fair Credit Reporting Act ( FCRA ). 

Upon a careful review of my XXXX credit report, I discovered an XXXX  hard inquiry recorded on XX/XX/2023. I want to emphasize that I have neither authorized nor initiated this inquiry, and it is essential to address this matter promptly to safeguard the integrity of my credit history. The presence of fraudulent activity on my credit report can have severe consequences, including financial harm and reputational damage. 

As a consumer protected by the FCRA, I hold the right to accurate and reliable information on my credit report. It is crucial that any fraudulent or unauthorized entries be thoroughly investigated and promptly removed to ensure the integrity and validity of my creditworthiness. I kindly request your immediate attention to this matter, conducting a thorough investigation to identify the source of this fraudulent inquiry and taking all necessary steps to rectify the situation. 

I urge you to treat this matter with the utmost urgency and to prioritize the removal of the fraudulent hard inquiry from my XXXX credit report. I expect your full cooperation and adherence to the FCRA regulations in ensuring the protection of my consumer rights and credit worthiness. 

Thank you for your immediate attention to this matter. I anticipate a swift resolution to this issue and would appreciate timely communication regarding the actions taken. 

Sincerely, XXXX XXXX