23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, CONVERGENT OUTSOURCING add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CONVERGENT OUTSOURCING has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Subject : Dispute of Inaccurate Information on Credit Report - FCRA Section 611 Dear Sir/Madam, I am writing to dispute inaccurate information listed on my credit report provided by [ Credit Bureau Name ] . Pursuant to my rights under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am entitled to have any inaccuracies promptly investigated and corrected. 

After reviewing my credit report dated XX/XX/XXXX, I have identified discrepancies that necessitate your immediate attention : Account Name : XXXX Account number : XXXX XXXX. High Balance Discrepancy : o TransUnion reports a high balance of {$6100.00}. 
o XXXX reports a high balance of {$6100.00}. 
o XXXX reports a high balance of {$5900.00}. 
XXXX. Last Verified Date : o TransUnion : XX/XX/XXXX. 
o XXXX : Not reported. 
o XXXX : Not reported. 
XXXX. Date of Last Activity : o TransUnion : XX/XX/XXXX. 
o XXXX : XX/XX/XXXX. 
o XXXX : XX/XX/XXXX. 
XXXX. Date Reported : o TransUnion : XX/XX/XXXX. 
o XXXX : XX/XX/XXXX. 
o XXXX : XX/XX/XXXX. 
XXXX. Account Description : o TransUnion : Profit and loss write-off. 
o XXXX : Unpaid balance reported as a loss by the credit grantor. 
o XXXX : Amount in high credit original charge-off amount. 
XXXX. Payment Status Discrepancies : o TransUnion : Charged off as bad debt. 
o XXXX : Unpaid balance reported as a loss by the credit grantor. 
o XXXX : Charged off account. 
XXXX. Days Late - XXXX Year History : o TransUnion : No late payments reported. 
o XXXX : 60 days late once, 90 days late once. 
o XXXX : 60 days late once, 90 days late XXXX times. 


Given these discrepancies, I request an immediate investigation into these inaccuracies and prompt correction of my credit report. Enclosed are copies of my credit reports from TransUnion, XXXX, and XXXX highlighting the inaccuracies. 


Section 611 of the FCRA mandates that you conduct a reasonable investigation into these discrepancies. This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information, please remove immediately Therefore, I am enclosing copies of supporting documentation to assist in your investigation, including [ documents/evidence supporting your claim, such as billing statements, payment records, or correspondence with creditors ] I hereby request that you undertake a thorough investigation of this matter and provide me with a detailed explanation of your findings within 30 days, as stipulated by Section 611 of the FCRA. Should the information be found to be inaccurate, I expect prompt correction or removal from my credit report. Furthermore, pursuant to Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA, I request that you notify me of the results of your investigation and any amendments made to my credit report. Thank you for your prompt attention to this matter. I trust that you will handle this dispute in compliance with federal law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX : XX/XX/XXXX SSN : XXXX
Product: Credit card or prepaid card

hello, I 'm having trouble every month making my payments to the capital one buy power card on their 24 hour customer center phone number on the back of the card XXXX XXXX when ever called to make a payment around the end of beginning of the month the recorder goes on and on like if it does n't hear me or cant understand me, when pass on to a live representative they say it will take 5 minutes because of high volume, of course their automated service is not responding, so every customer has to go thru to the live representative which in turn charges a process fee or a late fee when card payment is not made on time. I got so mad I told the customer service agent this was my ( 2 ) second month calling and that the electronic system is not working properly and it passes me down to them so they can charge a fee for processing my payment, he acted like he could n't hear me, and when I said your answers indicate you can hear me he hung up. I called back and the call magically went thru without a hitch goes to show me they 're manipulating the system so people can use the live customer service agent and charge the fee to process a payment or late fees when payments are not made on time.
Product: Student loan

I have been working on this issue since XXXX as we realized that there had been an overpayment on my account. I have received some information regarding my initial complaint but I have questions and concerns that have gone unanswered for nearly a month. I have called numerous times but no one can help me over the phone due to the account being closed for more than a year. This is my latest communication through the FedLoan online portal. 


XX/XX/XXXX FedLoan Servicing U.S. Dept. of Education XXXX XXXX XXXX XXXX PA XXXX To whom it may concern : I have received your company 's response dated XX/XX/XXXX, regarding the complaint and investigation submitted through the Consumer Financial Protection Bureau on XX/XX/XXXX, in received and processed towards an account ( Acct # XXXX ), as of XX/XX/XXXX had been paid in full. 
I appreciate the diligence in helping handle this issue. However, I am requesting additional information based on your review and to understand how and when a refund was processed. According to your response, the internal investigation revealed the following : A refund for payments received for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX totaling {$2900.00} was returned XXXX XXXX, XXXX XXXX XXXX XXXX NC XXXX. This information was retrieved from the payment checks that were sent to FedLoan from XXXX XXXX XXXX XXXX XXXX online bill payment processing company. Please respond the following questions o First question is : why was the refund sent to a name and address that did not correlate to the name and address on the account? o Second question is : When was the {$2900.00} check sent? o Third question is : What traceability is there to show the refund check was signed/deposited and has cleared FedLoan 's bank account? Please show proof that this check was sent and deposited by payee ( XXXX XXXX ). 
**A CHECK HAS NOT BEEN RECEIVED BY BORROWER AS OF XXXX As of XX/XX/XXXX borrower verified current address ( which was verified and on file in the online account management settings at the time the investigation began in XX/XX/XXXX ) and a refund for XXXX and XX/XX/XXXX payments totaling {$590.00} is to be returned to borrower ( XXXX XXXX ) o What date is this refund to be processed? Finally, the payments for XXXX and XX/XX/XXXX totaling {$590.00} were verified internally to have been inadvertently sent to the wrong company o When will these payments be accounted for and credited accordingly? 
o When will this refund check be processed and issued? 
Please provide proof and/or response to the questions listed above to ensure that the information presented here in this letter is understood and communicated fully. As the borrower, XXXX XXXX, I have not received any refund for the over payment on the FedLoan acct # XXXX. The information provided in this matter are known to be factual and truthful. 
Sincerely, XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Extremely high interest rates that were not discussed and having to constantly rewrite the loan to be able to have money
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB : REPORTING ONGOING TECHNICAL PROBLEMS WITH EXPERIAN CREDIT AGENCY 'S WEBSITE & AUTOMATED PHONE SYSTEM FOR AT LEAST THE PAST 3 DAYS WHILE ATTEMPTING TO LIFT A CREDIT FREEZE TO REFINANCE A CAR LOAN ( + PREVIOUSLY EXPERIENCED THE SAME ISSUES IN XX/XX/XXXX/XX/XX/2017 WHEN ATTEMPTING TO PLACE A FREEZE ON MY EXPERIAN CREDIT FILE ). TOOK MULTIPLE DAYS + UNSUCCESFUL WEB PORTAL + PHONE ATTEMPTS TO ACCOMPLISH THAT FREEZE STEP AS WELL.

THAT FREQUENT + UNEXPLAINED INACCESSABILITY TO THE CONSUMER IS UNACCEPTABLE.

CURRENTLY MANY CONSUMERS HAVE NO RELIABLE OR TIMELY WAY TO CONNECT TO LIVE PERSON BY PHONE / WEB PORTAL OR HQ FAX ( " no answer '' ) TO NOTIFY EXPERIAN OF A WEB GLITCH + NEED FOR LIVE CUSTOMER ASSISTANCE. THE WEBSITE PORTAL THEY HAVE TO FREEZE OR UNFREEZE YOUR CREDIT FILE GIVES BELATED + VAGUE ERROR MSGs THAT SAY " UNABLE TO VERIFY YOUR IDENTITY BASED ON THE INFORMATION GIVEN '', OR " UNABLE TO PROCESS THIS REQUEST AT THIS TIME, '' EVEN WHEN ALL PERSONAL SECURITY DATA ENTERED IS ACCURATE, VALID, FACTUAL, + CAREFULLY ENTERED.

ALSO THEIR " FILE UPLOAD '' WEB PORTAL TO ELECTRONICALLY SUBMIT PROOF OF ID DOCUMENTS IS ALSO NOT FUNCTIONING PROPERLY. IS GLITCHY + CURRENTLY REJECTS ALL DOCUMENT UPLOAD ATTEMPTS EVEN IF 1 PAGE + THE FILE COMPLIES WITH THE FORMAT REQUIREMENTS. SO AS A RESULT, IT IS CURRENTLY VERY DIFFICULT FOR A CONSUMTER TO EASILY + TIMELY VERIFY THEIR ID TO OBTAIN FURTHER ASSISTANCE.

ALSO THE EXPERIAN CONSUMER TOLL-FREE PHONE AUTOMATED SYSTEM IS FULL OR JUST NOT FUNCTIONING PROPERLY THE LAST 3 DAYS AT LEAST. 1 CALL IN 50+ ATTEMPTS MADE IT THRU ( AT ALMOST XXXX ET ). THAT'S UNACCEPTABLE. THE LIVE REP. I SPOKE WITH BRIEFLY TO HELP RESET MY FREEZE PIN TO LIFT MY CREDIT FREEZE AT ALMOST XXXX   DIRECTED ME TO UPLOAD PROOF OF ID ON THEIR WEB PORTAL, WHICH OF COURSE, REJECTED ANY ATTEMPTS TO UPLOAD THE REQUIRED FILES ( SEE ABOVE COMPLAINT ).

*THE EXPERIAN AUTOMATED CONSUMER PHONE LINE PROMPTS YOU TO FIRST ENTER YOUR SSN BEFORE BEING TRANSFERRED TO LIVE ATTENDANT, BUT IT CUTS YOU OFF/ DISCONNECTS/ REPEATEDLY SAYS " SORRY I DIDN'T GET THAT '' BEFORE YOU FINISH ENTERING ON THE PHONE KEYPAD OR SAYING YOUR 9-DIGIT SSN ( CLEARLY + PROPERLY ) + THEN IT HANGS UP ON YOU AFTER 3 TRIES. RIDICULOUS RUN AROUND + WASTE OF TIME + STRESSFUL INTERACTION ATTEMPTS WITH THIS AGENCY.

UNBELIEVABLE FRUSTRATION UNNECESSARILY CAUSED BY THESE ONGOING ACCESS ISSUES.

PLEASE INVESTIGATE THIS MATTER SINCE THE CONSUMER HAS NO WAY CURRENTLY TO EARLY REPORT THESE MAJOR ACCESS PROBLEMS OR TECHNICAL GLITCHES IN ANY REASONABLE WAY. I'M ASKING FOR YOUR HELP TO GET THIS MESSAGE THROUGH TO SOMEONE IN UPPER MANAGEMENT AT THIS POWERFUL CREDIT AGENCY WHO IS RESPONSIBLE FOR ACCOUNTABILITY TO THE CONSUMER. THEY NEED TO FIX THESE CONSUMER ACCESS OPTIONS ASAP!! TY.
Product: Credit card

I received a letter from TD Retail Card Services dated XXXX/XXXX/15 stating that my account is past due and to promptly send my total payment due. I call TD Retail customer service to inquire about my late charges, as I have never missed a payment. In short, they stated that I made XXXX separate payments in XXXX reflecting as a combined payment, rather than posting separately for XXXX and XXXX. The supervisor stated that I have to make payments monthly after the XXXX and before the XXXX of the preceding month to prevent XXXX posting to the same month and reflecting no payment for the next. Here is the sequence of events : XXXX paid, XXXX posted. XXXX paid, XXXX posted. XXXX paid, XXXX {$25.00} late fee, XXXX posted. XXXX paid, XXXX {$35.00} late fee, XXXX posted. Amount currently due : {$98.00} ( {$60.00} late fees ). This institution refuses to reverse adverse charges and to reinstate my account to current status reflecting 0.00 % for remaining balance owed. I have made all payments either on time or early, and this financial institution wishes to punish me for being a responsible consumer. Additionally, this unfortunately changes the terms of agreement from XXXX months with no interest to 29.99 %. This poor customer service is having a negative reflection on my current account and credit report, as this company is showing my account as late or not current.
Product: Student loan

I did not know that the XXXX XXXX XXXX that XXXX XXXXXXXX XXXX and Sallie Mae put me in was loans. I did not receive any paperwork for a year past entering the program. Once I receive the paperwork, I found they were XXXX XXXX XXXX not program. Had I known I would not have done them. For I had no income and still do not have an income. 
I withdrew from the school after I found that I was being frauded for money and they were never going to let me have a degree. 
Navient took over the loans from Sallie Mae. 
I filed bankruptcy and Navient would not work with Indiana court. Now, I still can not pay on the private student loans. Navient has placed them under a bad debt status and wrote them to collection agencies. Navient is still running a charge on their website to me. 
All my federal student loans at Navient and XXXX have been discharged with Borrower Defense Case Under Exhibit XXXX  of the XXXX XXXX XXXX XXXX I am left with the private loans that I have no money to pay.
Product: Student loan

In XXXX  my co-borrower filed bankruptcy and the loans were placed into bankruptcy and the payments were placed on hold, during the proceedings. Navient told my co-borrower that the student loans could not remain in the bankruptcy and the loans were pulled out of the discharge proceedings. 

Navient Solutions, formally Sallie Mae, currently has a settlement case, Woodard v. Navient Solutions, where they told borrowers/co-borrowers that they could not have private student loans discharged in bankruptcy. They were to provide a list of borrowers to the courts, who were affected. Our names were not shared, even though we qualify for the settlement, according to the criteria listed XXXX XXXX XXXX XXXX ). 

We would like to be added to the list of borrowers affected by their decit.
Product: Student loan

I requested a co-signer release from Navient on a XXXX year old student loan and they claim I still do n't qualify. My cosigner is in poor health and needs to be released. If you look at their pre-qualifying requirements. I XXXX have had a stable job making over {$90000.00}, I have XXXX completed all of my programs. I am not in default, I am not a payment plan with them, more than half of my credit cards had XXXX balances at the time they pull my report and my federal loan are in the process of being consolidating which do not impact this loan in anyway. I have not missed any payments of this loan either.I meet all of the qualifications. They claim that after XXXX years and paying the loan for the last XXXX on time that I do not qualify. They first stated in a letter I received in XX/XX/XXXX that my income was insufficient,. I told to submit more documentation regarding my income and when I did that they came up within even excuses. They claimed to have a dispute committee but it never made it to this supposed committee which does not exist. hen after I demonstrated that the my income XXXX {$100000.00} year annually XXXX was more than sufficient then they stated XXXX other things in my credit report that were not accurately. I called to speak to a representative who was not polite and who claimed my large federal loan which has nothing to do with this loan was too big and I needed to pay that one down significantly first before they would consider releasing my cosigner. They continue to make it every excuse to keep my cosigner tied to this loan. They have now issued a letter detailing what they claim was in my credit report to my cosigner with out my permission and violated my rights and confidentiality as again they are trying to make the case that I do n't qualify even though they state that credit is not entirely of their decision and again I meet all of their other criteria. Some of their reps have any made statements that they would go after my co-signer 's estate. The claim about going after her estate was made in a phone in XX/XX/XXXX and was stated in several calls over the last 2 years while getting trying to get her released. They even claim in a letter that I did not make XXXX consecutive payments and have made the payments. They refused to take me out of their deferment when I asked them not to defer my account and refused to give me a regular payment amount. They kept making the claim that my account was paid up. Their practices are illegal and unethical and they need to release my XXXX year old cosigner from this debt that she will never have the ability to pay. They violated confidentiality as they had no right to disclose to my cosigner anything that the claim was in my credit report as I requested the co-signer release and I filed the better business report. This continues to mislead the cosigner, her family and creates more conflict on trying to get her released.
Product: Credit card or prepaid card

Account has been closed on XX/XX/2017 on the XXXX account i have with the store XXXX XXXX the amount of XXXX has been fully paid.
Product: Checking or savings account

Ive received a check from my former employer addressed to me. I was deposited at a atm and it was placed on a hold that is planned to release in XX/XX/XXXX. Yesterday XX/XX/XXXX I tried to make a cash deposit to bring my account balances up at the atm and It refused. I called customer support and my account got flagged for fraud. The check deposited to is a joint account with my partner and her personal separate checking account along with mine has also been frozen. Talked to customer support and provided a number from the check for verification but stated the number was out of service. My previous employer has cut off communication. Ive called multiple times and they could not give a clear answer on why this issue started.
Product: Credit card

I have had a PayPal credit card for the last 8 years. I have my XXXX boys on the card as additional users. I have paid this card on time each month since I got this card. 
This month ( XX/XX/XXXX ) my son got a notification from one of the credit bureaus that his credit rating had been negatively affected. We researched this because our credit has been excellent and it turned out that the PayPal Credit card had reduced our credit limit so that in turn impacted our credit rating. I called the Paypal credit card number XX/XX/XXXX and again XX/XX/XXXX. I asked them why my credit limit had been reduced so much ( XXXX to XXXX ) and asked them to bring it back up. I explained that Ive had 8 years of service with them, that Id made all payments in a timely fashion and that they had negatively affected my and my sons credit scores by reducing the credit limit. They said they could not increase the limit. They said I shouldve gotten a letter warning me they were going to reduce the limit ( I did not ) and that I would get a letter in the mail letting me know how I could challenge this decision. They eventually emailed me telling me I could not increase my credit limit because I have not used my credit card enough. This is ridiculous as Ive had this card for 8 years and have used consistently over the last many years. And if they had sent a letter warning me that this would happen, I wouldve increased my usage in order to keep my credit limit where it was. They was no place on the letter to reach out and question this decision. 
I have since researched this issue on the internet and have found this to be a pretty common issue with the PayPal credit card company. 
Please help me reach out to them to let them know that I did not get a warning letter from them regarding the lowering of my credit limit. Please also remind them that we have given them our services for the last eight years and have always paid on time. 
Let them know I have tried to reach out to them and have not been able to solve this problem. 
I would like my credit limit raised back to its original amount of XXXX. I would like them to know that I will increase my usage of the credit card if this will help keep my limit at XXXX. 
Thank you.
Product: Debt collection

I am currently in a divorce XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This company has repeatedly sent people to our home to " inspect '' property that is apparently theirs now, meaning my home. They've ceaselessly called all hours of the day and past XXXX XXXX and they've now begun leaving threatening papers at our home nearly every day. There must be a law that protects XXXX XXXX victims and their families from these types of interactions during an already stressful and dangerous period for us. These people can be the catalyst to causing me or my family harm. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is not a joke and this is not okay. These people have been told repeatedly what is going on and still they do not stop.
Product: Debt collection

A couple months ago I got a phone call from a debt collection agency saying that I owed over {$2000.00}, a rediculously high claim, and that if I didnt pay it off my credit score would be negatively affected. The collection agent then began pressuring me to give him bank and credit card information to resolve this amount immediately over the phone. I was not told I could dispute the debt claim or that I had 30 days to do so. I was repeatedly pressured to give out personal information even after telling the collector I would not.
Product: Credit reporting or other personal consumer reports

am submitting a formal complaint against American Express for inaccurate credit reporting and failure to provide required documentation related to my closed credit card account. 

American Express closed my account and charged off the debt, but they have incorrectly reported XXXX separate charge-offs for this single account. This repeated and inaccurate reporting is misleading and unfair, as there should be only one charge-off reflected in my credit report. The erroneous entries have caused undue harm to my XXXX XXXX and overall financial standing. 

In addition, I have repeatedly requested a XXXX form, which is required when a debt is charged off and written off. Despite my efforts, American Express has not provided this form, further complicating my ability to address this matter properly. 

This inaccurate reporting and failure to provide necessary documentation is a clear violation of the Fair Credit Reporting Act ( FCRA ). I respectfully request that CFPB investigate this issue and take action to : Ensure American Express corrects the inaccurate reporting by reducing the entries to only XXXX charge-off. 
XXXX American Express to provide the XXXX form for the charged-off debt. 
I have attached all relevant documents, including proof of my communications with American Express. 

Thank you for your assistance in resolving this matter. I look forward to your prompt attention to this issue.
Product: Debt collection

Another Junk debt buyer Diversified Consultants who can't send a valid complete comprehensive chain of title from XXXX XXXX XXXX who they alleged gave them permission to pursue this debt. XXXX XXXX XXXX was being paid monthly for this bill and they tried to take money from my bank account three times in one month and the next month they put my account in collections. They violated the Fair Debt Collections Practices Act. This company has failed to show a signed contract. Moreover it doesn't show the terms of the contract so without those terms, any interest or fees would be unsupported evidence. And seeking interest or fees without a contract is a violation of the Fair Debt Collection Practices Act. Another debt collection company engaged in illegal collection practices.