23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX XXXX XXXX XXXX sent Convergent Outsourcing a letter for Validation of a alleged dent. They have been reporting this inaccurate information since the year of XXXX. I have sent them a second notice about the debt not being validated and I spoke to a representative from XXXX by the name of XXXX on XX/XX/XXXX who put in a dispute over the phone. Til this day the alleged debt remains and needs to be deleted from my consumer report immediately.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern at the CFPB, I am filing a complaint against XXXX and Credit Management LP regarding the inaccurate reporting of a collection account on my credit report and the failure to validate the debt. 

Complaint Details : Account Information : Collection Agency : Credit Management LP Amount : {$570.00} Original Creditor : XXXX XXXX Background : XX/XX/year> : I mailed an initial dispute letter to XXXX regarding the collection account reported by Credit Management LP. 
XX/XX/year> : I sent a follow-up dispute letter via certified mail to XXXX, reiterating my request for verification and investigation of the account. To date, XXXX has not responded to either letter. 
Violations and Relevant Laws : A. XXXX : Failure to Investigate Dispute ( 15 U.S.C. 1681i ) : XXXX has not responded to my dispute within the required 30-day period, failing to conduct a reasonable reinvestigation of the disputed account. 
Inaccuracy of Reporting ( 15 U.S.C. 1681e ( b ) ) : XXXX has not ensured the maximum possible accuracy of the information on my credit report. Their failure to address the dispute suggests a lack of adherence to the accuracy requirements. 
B. Credit Management LP : Failure to Validate Debt ( 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ) : Credit Management LP has not provided validation or verification of the debt, including proof of ownership and authority to collect it. This constitutes a violation of their obligation under the FDCPA. 
False or Misleading Representations ( 15 U.S.C. 1692e of the FDCPA ) : Credit Management LP 's inaccurate reporting, particularly the false claim of being the original creditor, violates this statute. I have never had a contract with them.

Requested Actions : If these issues are not resolved within 30 days from the receipt of my certified letter ( by XX/XX/year> ), I will consider pursuing legal action for violations of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. I have also filed a complaint with the Federal Trade Commission ( FTC ).
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/year> under the account number ( private ), XXXX XXXX XXXX {$6900.00}, XXXX XXXX XXXX  {$540.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Caller options do not suit my issue. Experian credit has maintained my previously excellent credit history for 25 years. During the period of XXXX-XXXX had successfully paid off 10 cars and several other loans paid as agreed. Those tradelines fully demonstrated the financial literary I was taught at an early age. In 25 years I NEVER missed a payment!! NOT ONE. As a result of what I built as a part of that history, my Credit score with the presence of that information was ALWAYS nearly 800. Those Tradelines represent my creditworthiness and how I carefully managed my own credit over a lengthy term. Removal of them STRIPS ME OF MY IDENTITY and has been interpreted by me as an intentional tortious act against me. As noted above via timeframe. All of those tradelines were a picture of my credit health PRIOR to my Bankruptcy filing of XX/XX/XXXX. So since they were PRIOR and not inclusive in my filing. 1 ) I'd like to know exactly WHY they were removed? 2 ) Did you take it upon yourself to dictate my HISTORY? 3 ) WHEN are you putting the tradelines back?? Because according to your own publications. " MY HISTORY '' during said period is it what credit scores are dependent upon. Thank You
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

XXXX  receivable management along with XXXX is trying to get a debt paid from stolen merchandise I dont have a police report for the XXXX  XXXX phone because it was an inside job with a dishonest XXXX  worker XXXX  receivable management should speak with the company who sold them the debt and provide me with Proof that I did or didnt receive the rebate for the phone to pay XXXX XXXX  which I did not. XXXX receivable also has a non working email address for XXXX XXXX fraud dispute so the letter that was sent was made by XXXX  receivable management in an attempt to bully me into paying the debt and NOT doing its due diligence in finding out if the debt is mine.
Product: Mortgage

I refinanced my primary residence under HARP in XXXX 2012. My loan was with Bank Of America. I was underwater more than 125 %. I was coerced into getting the refinance loan from bank Of America. XXXX XXXX was the loan officer at BOA. I was constantly told that only BOA is allowed to refinance as I am underwater 125 %. And, they gave me a very high rate. When the market rate was 3.5 % I was offered over 4.5 %. I had no option but to pay more than 1 % point fees to get 4 % rate to reduce my monthly payment. During the whole process I was told to hurry because the program will end soon. I felt like cheated. I wrote to XXXX back in XXXX 2012 about my concern and she never responded. I wanted to file a complain in XXXX but got too busy with my life.
Product: Money transfer, virtual currency, or money service

XXXX Account is frozen without reason for almost 3 months ==== We set up a PayPal business account for non-profit in XXXX XXXX. Since then, we have use it for online donation and money transfer to bank account or other PayPal accounts without problem. 

Since XXXX, the account was put into account limitation state and could not transfer money out. Starting from XXXX, the account could not even receive money. As such, we can not accept online donation. Currently there is about XXXX in the account. 

PayPal compliance department requested 4 pieces of information on XXXX ( see attached ). Due to some technical issues probably in PayPal side, we did n't receive any related emails from PayPal in our 3 email accounts registered in PayPal. Once we learned the situation through other channels, we provided the requested information on XXXX. 

Again, no further email or phone call was received from compliance. Only after calling to Customer Service, we learned that additional information was asked. We provided that on XXXX, XXXX and XXXX. 

According to customer service, the review process started on XXXX. 4 weeks have passed and we have received no information on its progress and its conclusion. Through multiple phone calls to customer service, this case had been escalated various times. But this does not seem to have any effect. 

Based on a recent class action lawsuit settlement, PayPal is required to provide the reasons for freezing an account. We have received none. In the call to customer service on XXXX, a ticket is filed to request that. 

As a long time customer, our ability to conduct normal operation has been severely affected by PayPal action to freeze the account for almost three months, even after all the requested information has been provided. This kind of assets seizing without court order is problematic in legal and business sense. It is unimaginable for a regular bank doing so without facing consequence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 credit bureaus after I purchased a credit report with IdentityIQ on XX/XX/22. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were erroneous items on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/22. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX and hoping that items will be corrected. 
XXXX XXXX XXXX XXXX Balance : {$58000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$440.00} ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX
Product: Vehicle loan or lease

XXXX XXXX XXXX illegally sold me a vehicle they didn't not own after finding this out i tried returning this vehicle to them but they refused send me back and forth between them and the finance company.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have several unknown addresses and inaccurate fileinformation thatneeds to be updated properly. My current and only address is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Please delete all other unknown addressesthey are not correct. Te following addresses are not mines : 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 Please remove the extra name from mycredit report. According to 12 CFRPart1022 ( Regulation V ) requires furnishers to : Furnish information concerningaccounts or other relationships with a consumer thathas integrity. Furnishinformation about accounts or other relationships with aconsumer that is accurate. C- Conduct reasonable investigations of consumerdisputes According to CRRG, inorder to make a lawful report, you must follow theMetro 2 compliance standards. 
Please delete the following account. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Starting onXX/XX/18 up till today ( and perhaps after as well- ) XX/XX/18, I have received frequent and at varied times phone calls from these " debt collectors ''. They have yet to clarify as to what is owed, and although they persist in calling there are times where when picked up the line is " dead ''. The only way I even realized this was a debt collection agency was by XXXX the phone number and a website came up for, " Diversified Consultants. '' From what I have gathered they specialize in debts related to services such as Cable, or Cell Phone bills. Two things in which I have no hold upon, I have student loans, and credit cards, and that is it. Regardless, I am very aware of any debt I owe and I pay everything with precision. To now have this random number contact me and without any clear answer as to why is very frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. In this report each bureau ; XXXX, Equifax, XXXX shows a difference in reporting on this account ( example : one reports shows paid on time while the other is reporting late ) These items : the date the account was opened, late charges and the number of days late and past due amounts that are not reported the same on all 3 bureaus. 
XXXX bank submitted a letter stating account was XXXX days past due and reported this on my credit report but my record of payments contradict that claim. I'm challenging the due date of payment by submitted the original contract of the loan as well the actual date this account was open vs what it is stated on all 3 bureaus. 

Enclosed are copies of the account and how it is reported on all credit bureaus.A letter when the account was originally opened and payment history to show that this account was not XXXX days past due.
Product: Debt collection

This company has called my job and has pretended that there is a court case against me. They call my phone 2 times a day. I dont have any debt with this company and their accusations are fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : XXXX XXXXXXXX XXXXXXXX Balance Owed : XXXX XXXX XXXX XXXXXXXX Balance Owed : XXXX XXXXXXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

There was a few payments missed so Mr. Cooper sent me a loan modification. Any back payments owed would be pushed to the end of the loan. I mean that is one of the points of a modification. All terms, conditions, and payments were met as we completed 3 trial payments in the amount of XXXX for three months which were XXXX XXXX and XXXX. Post mod first payment due XX/XX/2020 which is stated in our contract.. Our Mod papers papers were signed XX/XX/2020 with notary. We submitted our XXXX payment and was told we still owe for XXXX because they locked in the mod on XX/XX/XXXX. They can't account for payment but said it was received. That it went towards another payment. But it's not sitting in any suspense account. It's no way it was applied to anything because pre mod our payment was XXXX and trial period payment was was XXXX. They do not take partial payments. Our balance now shows for XXXX and XXXX. Our post mod payment is XXXX. The representative told me that maybe because of the pandemic things where slowed down. That has nothing to do with me. We met our obligations. Now they are hassling us for a payment that was already paid. Where did our payment go and how was it applied? Does it matter what date they singed their mod papers we did what they told us to do. We did everything right we had our contract signed by notary that they sent out and completed everyting by the times and dates they set. Now we are put in a very tough situation because now they want us to either pay 2 months or pay XXXX for 3 months to pay an XXXX payment that was clearly paid. They did not meet there obligations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon CFPB, This complaint also pertains to complaint ID XXXX. 

This complaint is against Capital One, and it is against its terrible process to address fraudulent transactions/activity. 

On my previous complaint i addressed the fact that my credit report and my different credit dashboards ( e.g. XXXX XXXX ) demonstrate a credit card balance of 9000+ dollars which i do not have as the only credit card i have ( ending XXXX ) has a XXXX dollars balance and always showed a XXXX  balance. 

My previous complaint revolved on the fact that i called Capital One and requested to be connected with the fraud department to report this fraudulent balance appearing on my credit report. The two capital One reps ( One of them a manager ) only manage to tell me that the way how Capital One process fraud is by sending the written statement of the fraudulent transaction through physical mail. These two Capital reps stated there is no electronic way nor phone direct line to notify fraudulent activity. They also stated this letter should include description of the issue including merchant name, transaction date and amount. I tried to explain to Capital One customer service that i don't have any of this information as i do not have an additional Capital one card. 

As part of Capital One response to my previous complaint XXXX ; A capital one rep by the name of XXXX ( XXXX ) states that she attempted to call me on XX/XX/XXXX ( only 1 day ) to  understand the issue but it was unsuccessful. The letter states that there are two accounts link to me ( XXXX and XXXX ) and the second one is the one that has an outstanding balance of XXXX dollars. This letter also states that if i would like to dispute the transaction, i would need to provide the information listed above. The letter provides an 800 number for XXXX, but not direct number or a way to directly reach a fraud specialist who can urgently address this matter. 

I tried to call Capital One to reach out to XXXX and they were unable to reach her without a last name ( this is in fact what they stated ). As you can understand, i can not provide any of the information they are requesting on the transaction as I DO NOT OWN another capital one credit card beyond the account ( XXXX ). 

I would like Capital One to reach out to me ( & attempt more than once ) because as you may understand i work from Monday to Friday XXXX to XXXX ; Or at least provide a direct number to the fraud department so i can address this issue. Also, i would like for Capital One to revise their fraud communication process to make it more customer oriented. It is ridiculous that a credit company of this size does not have a more customer oriented process which allows the user to report fraudulent activity which may end up on serious consequences as credit impact. 

Note - I am attaching the Capital One statement which meant for them the closure of the issue which i personally find insulting. 

Kind Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several dispute letters to XXXX and Transunion requesting they do an actual verification on a charge off account that is incorrect, the name of the furnisher is XXXX XXXX XXXX XXXX. The account is showing active and closed on different credit bureau reports, and other incorrect information being reported. All 3 credit bureaus are supposed to provide accurate information ( the same information ) and update or delete. XXXX and Transunion continues to say they have updated and verified the information but nothing has changed. This is violation of both FDCPA and FCRA. 

The other company in question is XXXX ( XXXX ). I have never seen XXXX ( supposedly original creditor ) reported on my credit reports or on public records. Out of no where when I was able to remove fraud accounts off of my report, this account appeared with incorrect information. I have asked XXXX to investigate and they came back every time saying that the account is verified as accurate. This company is also reporting false information on my credit reports which is violation. I asked XXXX to have the company verify how I am affected by natural disaster, but they did not do an actual verification. Why would a furnisher claim that a consumer is affected by natural disaster and not provide proof? I have no knowledge of this account at all.
Product: Checking or savings account

On today I had XXXX dollars direct deposited in my account through chime spot me program I recieved a XXXX dollars spot me. Well today my money was taken to cover my XXXX dollars spot me but my chime was changed to XXXX dollars which I couldn't get access to the XXXX I needed for food. I wasn't notified of this change and I've had the same direct deposit for well over a year and my spot me had never changed. All of a sudden they change the spot without notice and I'm out of money no money no food the supervisor XXXX she understand my concern asked did I recieve notifications I informed her I didn't and she apologized and said she would fix it give her 3 mins I stay on the line the call somehow gets disconnected I call back and no one is trying to fix the issue even though the conversation was recorded and she said she will fix it.