23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Convergent Outsourcing, Inc. is trying to collect a debt that I supposedly owe XXXX XXXX, XXXX. I do not nor have ever had any services provided by XXXX XXXX. I have sent them a letter explaining that the debt is not mine and that someone did steal my information. I requested that they remove it from my credit report but that hasn't been done. 
Please help me get this situation resolved. 

Thanks in advance for your help
Product: Credit reporting, credit repair services, or other personal consumer reports

Today contacted XXXX and XXXX on a company called XXXX XXXX XXXX I disputed the company over a year ago with success but today they reinserted it back on my credit report by have another creditor taking over according to my credit report ... they failed to notify me in 5 business days before putting it back on my credit report which is a violation of the FCRA
Product: Credit card or prepaid card

On XX/XX/2021, I applied for a Discover It card using a referral code from my brother in law. I then received the card on XX/XX/2021. I attempted to activate it per the instructions mailed with the card, but was told that I would have to call to activate. Once I called the listed phone number, I was told to upload 3 bank statements and sign a document ( 4506 C ) to verify the account. I did as I was instructed. 
On XX/XX/2021, I received an email that said Discover needed to speak with me about important info for my account. I called and was told that only 2 bank statements were actually received even though I made sure to upload three. I uploaded the remaining statement as instructed. 
I then received an email on XX/XX/2021 that notified me that Discover had closed my account effective immediately due to Discover being " unable to verify personal information '' on my account. I have not received any more explanation as to why the account was closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accountXXXX 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 Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting

My account shown on the attachment has been disputed numerous times over the last 7 years. Those investigations by the credit bureaus led to nothing being accomplished. The credit bureaus claim to have verified this information and do nothing about the fact that it is illegal, even if charges are NOT disputed, to charge 600-800 hundred dollars in fees on a disputed balance of less than XXXX. Now it has come time that the account be removed because of the amount of time that has elapsed and the credit bureaus are not enforcing the FCRA rules. As you can see on the attache ; the account clearly states that the account was OVER 90 days past due as of XX/XX/XXXX. The FCRA requires that the 'date of first deliquency '' be used to determine the removal date. The removal date should not be XX/XX/XXXX. It should beJuly or sooner based on their own information. It is also illegal to charge excessive fees and as you can see, the statement of XXXX XXXX is that these are disputed charges of less than XXXX. This credit report is from XX/XX/XXXX. Current credit reports show even higher amounts due that the excessive {$940.00} shown here.
Product: Prepaid card

My Amex gift card was purchased for {$200.00}. I only used the card for XXXX XXXX XXXX. XXXX and my card is on hold and there are a bunch of unauthorized charges that I have asked for a replacement card. Amex has told me I must wait for the unauthorized charges to post before they ships a usable gift card. And then 10 days so until the middle of XXXX for me to use a gift card.
Product: Student loan

I have been out of work for months now and Im not receiving any kind of income I just had a baby a few Months ago and now Im looking for work again. But I just need some time to find a job and get on my feet and I will assure that I will make my payments as long as Im currently employed. I just need a few months
Product: Debt collection

I have not been supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, therefore no such debt in fact exists.
Product: Checking or savings account

PenFed ( Pentagon Federal Credit Union ) Did not depict a clear answer in the last request that I sent. PenFed did not provide a resolution, instead clearly ignoring the solution. They did not provide a response to the banking error that was caused by PENFED. That they confirmed was a banking error and later charged to me the consumer. PenFed did not try to rectify the situation instead PenFed stated I need to immediately " Call them '' To pay the balance of the share they charged off due to the banking error. PenFed Closed my Line of credit after the banking error occurred. I originally tried to transfer from my Line of Credit, thinking that I transferred from that and that's where the fund transfers came from. I transferred the money to my external bank account. However Penfed later 2 month 's later deducted those funds advising me in the email attached that this was a banking error and that I now need to pay for their mistake. That I chose to withdrawal the funds before they could correct their system error. PenFed caused a loss to my savings account of {$230.00} PenFed Closed the Line of Credit and Credit card AFTER they charged off the savings account. I did not receive a call from PenFed and in their last response the manager states that I closed the Line of Credit. This is FALSE. I did close the credit card, but I did not close the line of credit. Their DCC Loss department CLOSED THE LINE OF CREDIT, because they stated I caused PenFED A LOSS WITH THE BANKING ERROR. I do not feel this has been rectified and I feel PenFed is simply copying the statement 's I attached in the previous message and reattaching them. A Consumer that is a victim of a banking error should not be held responsible for a banking error. PenFed admitted that it was caused by a Banking error, but PenFed is attempting to Hold me responsible for their error. I do not accept responsibility for something I was not aware of. PenFed continues to state the Share was charged off because of this banking error. I believe PenFed should be held responsible and rectify the situation instead of throwing blame on a consumer. I did not accidentally transfer funds, PenFed did. Yes I transferred the funds out only after contacting member service to make sure that these were from my Line of Credit and they confirmed. This later became false XXXX month 's later but I was not notified again. I am a member and I do not feel like I am at fault here. PenFed is not doing anything to research the error, and I feel like this is consumer abuse. I am requesting further information and additional research as stated previously see attached.
Product: Credit reporting or other personal consumer reports

Dear Equifax : I am writing this complaint because I attempted to dispute accounts listed that are obsolete and reported inaccurately. Per the FCRA these accounts are to be removed because the data furnisher failed to comply with Section XXXX of the FCRA. 

The accounts lists are all as follows " ALL accounts listed as closed with corresponding address of : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX If you fail not to delete these accounts my attorney will file a case against Equifax for willfull noncompliance.
Product: Credit reporting or other personal consumer reports

this company failed to provide proof of verification multiple times and refused to remove bad debt from my credit report this violates so many laws and will be reporting to XXXX of this fraudulent information. told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name XXXX XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXXXXXX XXXX Account number XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting.
Product: Debt collection

To Whom It May Concern, The reason for my dispute is LVNV FUNDING LLC # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, LVNV FUNDING LLC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) LVNV FUNDING LLC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation LVNV FUNDING LLC is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or co-debtors. FDCPA I fail to see where LVNV FUNDING LLC is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. LVNV FUNDING LLC has not even tried to contact me  regarding this collection account. Please have them remove this collection account immediately.
Product: Debt collection

On XX/XX/2020 I received a letter in the mail attempting to settle a debt from PayPal INC for {$44.00}. I rarely use PayPal and certainly never had a debt and after checking my account there was no debt or any suspicious transactions. I believe XXXX XXXX is phishing me for information or falsely trying to extort money from me. 
I called the phone number on the letter and they refused to give me any information or email associated with this claim without me giving my personal information. I gave them the reference number and my name and they can see my phone number, they demanded my social security number which I'm not willing to give out to a random person claiming to collect " debt ''. They hung up on me when I asked them questions about the supposed claim. 
After researching this particular practice I found many examples of people being pressured to pay for a debt that wasn't theirs. 
The Company is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report from XXXX XXXX and Experian and it shows several student loans, but the problem is the loans are the same exact loans they just switched servicing companies so only one company should be reporting the loan not both. They have the same exact open dates, same amounts and same late months it's hitting twice.
Product: Checking or savings account

I have a complaint against Bank of America for not properly staffing on their fraud call centers and allowing the BOA staff to party and laugh instead of taking time sensitive calls. On XXXX XXXX, 2019 Bank of America sent me a fraud text message about to verify if a check I had written was valid. Bank of America in their notification just gave me a dollar amount not the party the check was made out to. I was at work and did not immediately remember the check though it was for a car loan pay-off. I responded " No '' but within an hour remembered the check and I called in to Bank of America to correct the error. I was on hold for over 20 minutes and through my lunch break so I could not wait on the phone any longer. After work I waiting on hold for Bank of America for over 30 minutes then when i finally spoke to a live person ALL I COULD HEAR WAS THE BACKGROUND OF PEOPLE LAUGHING AND HAVING A GOOD TIME NOT WORKING. I was told by the representative that BOA only gives a time limit to respond the BOA fraud text message or to correct a response to the BOA fraud text message of a few hours, I believe the service rep. said by 3 PM EST, before BOA denies paying a check. Not giving a customer at least one full business day to respond before BOA denies a check to clear is not right but then to intentionally under-staff their call centers and allow employee not to take a call is wrong when BOA puts a short time limit. BOA could easily give days for a proper response when BOA does not even give clear information on the check they are going to deny but I called in time but due to BOA under-staffing and partying my check was wrongfully not paid. BOA should have wired the proceeds to the business at their expense for the staffing and poor customer experience but their complaint area is also understaffed and does not take direct incoming calls. I had the entire day off on Thursday and was not contacted after I returned the BOA complaint area 's call till the next day.
Product: Mortgage

On XX/XX/2016 I sent Select Portfolio Servicing, Inc. ( " SPS '' ) a Qualified Written Request via certified mail # XXXX ( " QWR Letter '' ). I enclosed XXXX exhibits labeled A, B, and C with the QWR Letter. 
The QWR Letter stated in part, " I am requesting all available information on each of the entries listed in Exhibit A ( copy enclosed ), including but not limited to : 1. ) What party or parties were paid each of the fees and costs removed ; 2. ) What services and/or products were provided by each specific party for the fees and costs they were paid ; and 3. ) What is the identity of each party or parties that paid or advanced funds for each of the removed items. '' Exhibit A identifies over {$23000.00} in FC ATTORNEYS FEES and ATTORNEY ADVANCES listed in Exhibit B " CUSTOMER ACCOUNT ACTIVITY STATEMENT ''. In its response letter dated XX/XX/2016 ( " QWR Response '' ) SPS stated, " In your inquiry, you requested information on various entries listed in your Exhibit A, which reflected the Expenses Paid by Servicer amounts. With regards to your requested clarification regarding the identity of the entity paid, the requested information is either proprietary or confidential ; therefore, we will not be providing such information. '' To this date I have never received any explanation outside of the frivolous QWR response letter from SPS regarding my QWR request about the more than {$23000.00} in attorney charges. This is curious since I have never been sued by SPS nor have I sued them as of the date of the filing of this complaint with the CFPB. Additionally, I have never had a judgment that included attorney fees awarded against me in any court action related to my home or any mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the fair credit reporting act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C1681. Account Name : XXXX XXXX  Account # XXXX. And account Name : XXXX XXXX Account # XXXX. Has violated my rights. 15 U.S.C 1618 section 602A. States I have the right to privacy. 15 U.SC 1618 Section 604A. section 2 : also states a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C 1618c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of any information or any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1618s-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

A debt collector re-aging an account can cause serious damage to your credit files. Re-aging would allow a collection account to remain on your credit reports in-perpetuity. Take the following steps if you believe you are a victim of re-aging. 

I have Disputed this account many times and they just re-age the account. The date of first delinquency is wrong. XXXX refused to correct it, they told me to contact XXXX XXXX because they only place whatever information they are given on my Credit File, I advised her the account was re-aged and that it is illegal for them to report it being an open account XXXXXXXX XXXX XXXX Original creditor XXXX  Opened XX/XX/2020 ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Dispute resolved ; customer disagrees Original creditor name XXXX XXXX XXXX It is a criminal offence to re-age an account and I want this account removed from my Credit File Immediately they have never verified this Debt and are always stating the it was verified and accurate which is FRAUD.
Product: Vehicle loan or lease

I financed a XXXX XXXX XXXX through Hyundai Motor Finance in XX/XX/XXXX. The total amount financed was {$11000.00} USD. My first payment was due on XX/XX/XXXX. The minimum payment is {$190.00}. Hyundai Motor Finance refused to apply my {$150.00} in overpayments to the principal balance. After repeated attempts beginning XX/XX/XXXX, of calling Hyundai to resolve the payment application, I recognized Hyundai Motor Finances unwillingness to help and decided to refinance with another lender. 

On XX/XX/XXXX, I attained a ten-day payoff quote to close the loan I have with Hyundai Motor Finance. The amount of the quote is {$10000.00}. A check arrived on XX/XX/XXXX, for the exact payoff amount of the payoff quote at the address stated on the letter. Hyundai then inexplicitly changed the terms of my loan from 60 months to 61 months and appears to have lost my payments somewhere in their system. After I paid the payoff quote and all my monthly payments and additional payments, Hyundai Motor Finance is claiming I still owe {$160.00}. I made repeated calls on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to resolve the issue. Hyundai Motor Finance continues to ignore the clear and obvious evidence and refuses to acknowledge the error in their system. Each time I call, I get advised to call back in 5-7 business days, even though it has been twelve days.
Product: Credit card

Ive been a loyal American Express customer for over XXXX years, but lately, dealing with them has been incredibly frustrating. Theyve refused to negotiate with me or offer any meaningful financial relief. What they do offer is help that would actually make my situation worse. 

Back in XX/XX/XXXX, Amex demanded that I pay {$1900.00} within XXXX hours, threatening to lower my credit limit if I didnt. I paid it, only to receive an email on XX/XX/XXXX, notifying me that my credit limit had been reduced from {$9000.00} to {$8200.00}. Despite having a solid payment history, Amex has treated me unfairly. 

Over the last few years, Ive faced some unexpected financial challenges with other credit cards, but Ive been working to resolve those issues. Throughout this time, my Amex account has remained unaffected, and Ive consistently made at least the minimum payments, often paying more. 

Currently, my APR is 28.99 %, which has caused my monthly payment to skyrocket to over {$220.00}. However, the balance never seems to decrease. Ive reached out to Amex multiple timesboth by phone and through chat supportto request a lower APR, but each time Im told that its out of the representatives hands and that its controlled by a computer. Their website says that APR issues can be discussed with customer service, but when I questioned a representative about this, she hung up on me. 

I also must add that since Amex reduced my credit limit, every month when my payment is due, I get an email that my account is over the limit and I must make a payment right away. Of course this causes me great stress. Especially when I know even though I'm paying the minimum my balance won't decrease. It's as iff I'm throwing money out the window. 

So far, all Ive been offered is a terrible payment plan that would do me more harm than good. Theyve suggested I pay {$200.00} a month ( just {$25.00} less than my current required payment ) and enroll in a XXXX plan. This would restrict my card usage and negatively affect my credit score, which would have long-term consequences for my finances.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I sent XXXX Transunion and XXXX 4 dispute letters to verify or remove accounts on my credit report. They do not verify the items just updated saying that it was unchanged. I have asked repeatedly to provide documentation or information verifying these items were mine. With 4 attempts, they have failed to removed any of the items, and have not produced any verification. 

I sent letters to all 3 agencies XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. In most cases they did not investigate at all. I would like the items in questions verified or removed, this is causing me great distress and hurting my credit score.
Product: Credit card

Capital One canceled my business credit card on XX/XX/year> without notice which caused cancellation to accounts thru automatic payments. They said this was done because I did not provide mandatory information. The only emails I received from them was for my mobile phone and monthly statements. I did not provide my mobile as it also can ring to my office and I didnt want some one else responding on my accounts plus it was aREQUEST! I believe since I am XXXX this is an age related termination and I hope you will see if this is happening to other seniors. 
XXXX XXXX XXXX XXXX XXXX card holder XXXX Zip code XXXX
Product: Student loan

this is the second time i am filing a complaint regarding XXXX XXXX XXXX and tracking of public loan forgiveness payment tracking this issue. 

previously i received information from other borrowers accounts in addition XXXX XXXX XXXX was unable to correctly count the number of payments i had made. 

i submitted paperwork certifying my employment for a qualifying public loan forgiveness institution and received notification it was accepted on XX/XX/XXXX for the dates XX/XX/XXXX through XX/XX/XXXX, during this time i made a payment every month. 14 months, 14 payments. XXXX XXXX XXXX only recorded 2 payments.