23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was unexpectedly placed under collections with XXXX separate charges from the same debt collection company, XXXX XXXX XXXX. Both collections list XXXX as the original creditor. The XXXX  collection was opened on XX/XX/XXXX, for {$740.00} under account number XXXX, and the XXXX  collection was opened on XX/XX/XXXX, for {$590.00} under account number XXXX. 

I have a XXXX credit card through XXXX XXXX  with a total limit of {$750.00}, but I have made little to no purchases on that card, with no purchases in the past XXXX  months. My last purchase from XXXX was over a year ago for {$110.00} for a XXXX XXXX XXXX XXXX XXXX. I have not made any other purchases from XXXX since then, and I have no unpaid debt with XXXX or XXXX Bank. 

Despite this, I was sent to collections for XXXX high balances that I do not recognize. I never received any debt collection letters regarding these charges. Upon discovering the collections on my credit report, I immediately took action by sending an overnight letter on XX/XX/XXXX, to Cedars Business Services, requesting detailed information on this debt. This letter was delivered and signed for on XX/XX/XXXX, by XXXX ( XXXX XXXX number XXXX ). Despite my providing all necessary contact information, I have received no response, phone call, or status update regarding these collections. 

This has severely impacted my credit score, causing financial hardship at a crucial time, as my fianc and I were funding our wedding. The collections have limited my ability to secure necessary financing, impacting my financial standing and opportunities. I am alarmed by the lack of communication and transparency from XXXX XXXX XXXX and feel my consumer rights have been disregarded.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , 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 These fraudulent accounts consist of personal credit card opened at XXXX XXXX opened on XX/XX/XXXX under the account number XXXX, a personal credit card with XXXX XXXX  opened XX/XX/XXXX with the account number XXXX, an personal credit card opened with XXXXXXXX XXXX opened on XX/XX/XXXX with the account number XXXX, an personal credit card with XXXX XXXX XXXX XXXX opened XX/XX/XXXX with account number XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 # ( XXXX ) 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: Checking or savings account

My direct deposit hits every Thursday at XXXX XXXX. This week, no deposit was received. I got no notification from Capital One stating there was an issue. Halfway through the day I happened to see other customers commenting on Capital One 's XXXX page and that's when I was made aware of an issue. I STILL have yet to have any kind of correspondence sent to me from them advising of any kind of update. Questions on their page are going unanswered and if you call they say there's a technical issue they are working to resolve but there is no ETA they can provide ... and I still don't have my money.
Product: Mortgage

Hello, I am having an issue with Lakeview Loan Servicing , LLC  XXXX .  XXXX   XXXX   XXXX   XXXX , VA  XXXX . I Paid my loan down to under  80  percent and submitted a request to remove PMI through an online portal submission. I did not get a response at all so I called customer service and the representative i spoke with said that I had to submit in writing through the web portal. I explained that I had already done so. She checked and did not see any requests for me. She suggested resubmitting and said that she could not help me. I resubmit, still no email confirmation or anything. I wait a few days and call back. This time the  Rep said that I had to be under 78 percent or they would n't even pay attention to my request. I have been current over the life of my loan and though the documentation is confusing I believe that I should be relieved after 80 percent at my request. Well I went ahead and paid the loan down to below 78 percent and submitted the request again. It has now been another 2 weeks and I still have heard nothing. Three requests and two phone calls over a month and I still have not received a response. I believe that this co mpany is trying to continue charging me PMI illegally.
Product: Credit card

Dear Officer, I have a discover card and I voluntary freezed on account beginning of XXXX and paid all my balance a few days later ( no late payments/balance remaining ). 

In XXXX, XXXX and XXXX, I was still charged {$2.00} each month until I was delinquent on my account. When I was freezing my accounts, I did not see anything about these existing transactions. Late, due to family emergency, I was out of the country from XX/XX/XXXX to XX/XX/XXXX. As soon as I came back, I noticed these late payments and paid off anything I owed. But unfortunetaly these was reported to bureau which had a bad consequences on my XXXX score. 

I tried to ask the bank solve this problem and they insist they can not remove late payment. I am trying to see if I could get some help from CFBP becuase 1. Discover did not have any notifications me about existing transactions/payments when I tried to freeze my account. From a customer 's perspective, I though freeze account meaning there will be NO further transactions. 2.With the small amount of late payments ( {$8.00} ), the bank did not contact me anything about it and just reported to the bureau, I mean {$8.00} is worth about XXXX XX/XX/XXXXpoints for me now. 3. After contacted with the bank, they claim that even I paid off the balance and they are not willing to write a good will letter to the bureau which is very frustrated for me given the situation. 

I have been a Discover customer for me since graduate from college and never had any issues with any credit card companies. Please advise.
Product: Debt collection

Sent off multiple letters to resolve this issue and have yet to receive a response or paid invoice.
Product: Credit reporting or other personal consumer reports

Back on XX/XX/year> a complaint that I made against XXXX XXXX XXXX was closed with a very unsatisfactory response. The company stated they could not find any details regarding my account, however the account in question had been closed on my credit report. It was closed, however it is still reporting incorrect information resulting potentially negative credit score and overall trustworthiness in creditors eyes. I repeatedly contacted this company regarding the fraud use and continued opening of my account and drafting of payments I never authorized, including opening a second account after request of closure. I requested all funds back, and compensation related to the specificity of the law, as well as removal of the account in full. The company response was to send me a check, that I was unable to cash, as the check turned out to be fraud. The check itself was also not comparable in funds to what is allowed by the law of up to {$1000.00} per fine, nor was it comparable to the hundreds of dollars that were taken from my account during that time without my consent, or the funds and energy spent trying to recover my identity due to neglect on the company behalf. I have tried over time to get this corrected including reaching out to my local Congressional team for assistance. I have filed the necessary police report regarding my identity theft, and this is the 2nd year in a row that I am having to complete this same process without any resolution. Please correct this.
Product: Consumer Loan

Loan has been paid off since XXXX 2015, and is still being reported as an active loan on my credit report. When I contacted the company I was told that they have been working on the problem for over a year now. When I complained that my credit score was suffering, I was told " You and everybody else ''. They then told me that maybe it would be fixed in a couple of months. What can I do to correct this? My score dropped by XXXX points!
Product: Credit reporting, credit repair services, or other personal consumer reports

I CHECK MY CREDIT PROFILE AND THERE WAS SEVERAL IN CORRECT ACCOUNTS LISTED ON MY REPORT SOME OF THE ACCOUNTS I WAS NOT AWARE OF IM NOT SURE IF A CLOSE FRIEND, CO WORKER OR FAMILY MEMBER USE MY IDENTITY BECAUSE IM USUALLY SAFE GUARDED BUT THERE ARE FRAUDULENT ACCOUNTS ON MY CREDIT PROFILE I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA 'S. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a Tv from XXXX and agreed to pay it off in 3 years making regular monthly payments of XXXX a month. I made multiple payments a month and laud my tv off in a year and XXXX reported i missed 9 months of payments and was delinquent. So instead of my credit score getting better for making multiple payments a month and laying it off early my credit was ruined. They finally corrected it after me reporting them to multiple credit reporting agencies on XX/XX/XXXX and then on XX/XX/XXXX a full months after I paid off the tv in full they reported my account delinquent of 120 days again and my credit score once again took a hit. They are negligent with there credit reporting and could careless that they are hurting customers credit. I have never missed any payment but now because of there bad reporting I am having issues getting a approved for a home loan, if this isnt resolved I will seeking legal actions for damage this company has done to my credit score and for the mental pain and suffering Ive had to endure because of there negligence.
Product: Debt collection

This company sued me at the address of my former wife in a State I no longer reside. They keep updating the lawsuit and they purchased a debt and continue to report it to the credit bureaus when it is older than 7 years. They purchased this debt only a few years ago.
Product: Debt collection

I contacted Convergent Outsourcing regarding a collection that has been reported to the three credit reporting agencies. My first attempted to contact them was via phone. I was informed that I had to submit a letter to Convergent and on a document they sent me and I did but yet it is still on the credit report. The XXXX account in question was opened in XXXXXXXX XXXX XXXXXXXX. I do not use XXXX and have not for over 10 years. My cellphone provider is XXXX and I am my daughters phone plane and have been for many years. 
I have called Convergent Outsourcing on XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, and XXXX XXXX. I contacted XXXX and spoke with XXXX and was informed that the accounts were closed and my credit report would be corrected I am still waiting for this to happen. 

Convergent Outsourcing Account XXXX XXXXXXXX 
Amount {$930.00}
Product: Debt collection

I recently viewed my credit and noticed a collection agency, ( Convergent Outsourcing, Inc. ) from XXXX for {$1500.00}. I contacted XXXX and they have no information on me after I requested documents/contract that was signed. I do not recall this account, as I was going to make a police report I was told by the officer that I need to show them proof of validation on what is being reported under my social but Convergent Outsourcing and XXXX seem to now have anything, according to the agency the account was opened on XX/XX/2016. I was a victim of identity theft a few years ago and was reported to IRS as someone was trying to claim me as a dependent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX hard inquiries on my XXXX report and 6 hard inquiries XXXX report witch I affecting my credit score I have tried for a long time now to try to correct it but it was only overlooked properly. I have contacted the reporting agencies/ company/ banks in regards to the inquiries that Im not aware about I have also submitted police report and they refused to help me. I am not aware of the reporting inquiries but I am requesting that it gets removed from all three credit bureaus I did not authorize any use of my information
Product: Debt collection

I sent them a debt verification letter via Certified mail on XX/XX/scrub>XXXX  and gave them 30 days to respond and they never responded and they still have things negatively reported on my credit report. I tried disputing it on all 3 credit report companies prior to sending this letter, but it still stayed on so i sent them a debt verification letter and never received a response and its been after the 30 days of notification and still nothing... The letter was sent certified via usps, The so-called debt in question is in the amount of {$4200.00}.
Product: Debt collection

Request for Removal of Collection Accounts I am writing to formally request the removal of a collection account listed on my credit report. I believe that this collection is either inaccurate, unverifiable, or may otherwise be in violation of federal consumer protection laws, specifically the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 ] and, if applicable, the Fair Debt Collection Practices Act ( FDCPA ) [ 15 U.S.C. 1692 ].

Grounds for Request : 1. Verification of Debt : Under the FDCPA [ 15 U.S.C. 1692g ], I have the right to request verification of the debt. I am requesting proof that this account is valid, including a detailed breakdown of the debt amount, original creditor information, and any records of the accounts transfer to your agency. If you can not provide such verification, the debt must be removed from my credit report. 
2. Inaccuracy or Incomplete Reporting : According to the FCRA [ 15 U.S.C. 1681i ], credit reporting agencies and data furnishers have a duty to report only complete and accurate information. If this account is inaccurate or contains errors ( such as incorrect balance, payment status, or date of delinquency ), I request that it be corrected or removed.

3. Obsolete Information : Under the FCRA [ 15 U.S.C. 1681c ], collection accounts are only permitted to appear on credit reports for a limited period of seven years from the date of delinquency. If this account is past the allowable reporting period, I request its removal immediately. 

Please consider this letter as my formal request for investigation and correction under the FCRA. I expect the results of your investigation, along with an updated credit report, within 30 days. If you are unable to validate this account, I request that you remove this collection from my credit file and confirm the removal in writing. 

Thank you for your prompt attention to this matter. Please feel free to reach me via the contact information provided above.
Product: Credit reporting or other personal consumer reports

Several FDCPA have occurred between this company and their assignee over the last 3 months : XXXX. Consent and permission was never given to contact and communicate with any third party regarding this debt and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated this by making contact and discussing this matter with family members. 

XXXX. A debt collector must provide a written notice within XXXX days after its initial communication ( or in the initial communication ) including : a ) the amount of the debt, b ) the name of the creditor to whom the debt is owed, c ) a statement that unless you, within 30 days after receipt of the notice, dispute the validity of the debt, or any portion thereof, the debt collector will assume the debt is valid- the date on the notice was XX/XX/XXXX, both companies received a dispute on XXXX and XXXX via signature confirmation and certified mail respectively. 
d ) a statement that if you notify the debt collector in writing within the XXXX period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against you and a copy of such verification or judgment will be mailed to you - despite the dispute being received by both companies on XXXX and XXXX, there was never any response provided and or mailed. 
XXXX ) and a statement that, upon your written request within the XXXX period, the debt collector will provide you with the name and address of the original creditor, if different from the current creditor. 

XXXX. If you make a request in writing, the collection agency must stop communicating with you, other than to let you know that its ending communication, or it may ( or will ) sue you or use another legal remedy to collect the debt. XXXX XXXX XXXX XXXX XXXX never responded to the request and additionally without prior warning in their initial communication and subsequently, filed suit on XX/XX/XXXX. 

XXXX. In doing this, they have falsely represented the character, amount, or legal status of a disputed debt which considered harassing conduct under the FDCPA. 

XXXX. Lastly, in more harassing conduct, they are still attempting to collecting fees or charges the collector is not entitled to collect under the agreement creating the disputed debt. In their suit complaint, XXXX XXXX XXXX XXXX has included numerous fees, court costs and interest yet contradictorily provided a statement clearly detailing the terms of the payment agreement due on XX/XX/XXXX that was broken by XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. Additionally, on XX/XX/XXXX, XXXX XXXX XXXX XXXX further acknowledges the validity of this agreement in their response to a prior CFPB complaint stating that they " have forwarding your concerns to our client as we believe XXXX will be better suited to handle this matter ''. Despite this, as of today XX/XX/XXXX, their suit remains open.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person. All is being investigated by the CFPB. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Product: Payday loan, title loan, or personal loan

Hello, I took out a payday loan from mobiloans in XX/XX/XXXX. I have always paid them on time at an outrageous interest rate. I found out in XX/XX/XXXX that the loan is illegal in my state of Massachusetts and I am only responsible for the principal amount which I have paid about triple that amount. I sent an email to the company letting them know the information I found out and they stopped taking the money from my checking account. Now I am trying to buy a house and they have reported to the credit Bureaus that I have on overdue balance of almost {$400.00}. I have asked them to fix the error to a {$0.00} balance and they refuse. I also disputed with credit reporting agency but keeps coming back as accurate. Technically they should owe me a refund of the amount over my principal amount but I am not asking for that, Only to remove or correct to a {$0.00} balance on my credit report.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy. Here is the item I am asking you to verify as accurate : Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In my review of my credit report EOS CCA is reporting a collection debt account number XXXX to the CRA. I have no knowledge of this collection debt and this negative account has affected my ability to obtain credit. It is a violation of FCRA for any COLLECTION AGENCY to report any collection debt account to any credit reporting agency without notifying the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please update my name to XXXX XXXX on my report and remove any other variation. 

Please remove the inquires you are showing on my report as they are fraudulent and were not authorized by me. 

XXXX XXXX XXXX XXXX, XXXX, XXXX ) XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, IL XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX ) XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX FL XXXX XXXX
Product: Mortgage

Dear XXXX iam writing this note to you telling you about the unfair treatment that i have been getting for trying to get a loan modification from rushmore XXXX loan company I pay several companies to try and help me and I get no result now iam working with a next company and its the same thing so can you please help me cause I want to keep my house all iam asking for is help I filled bankruptcy for several times just to stop them from taking my house I work XXXX jobs to get it and do n't want to lose it thanks again
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has the wrong DOB listed on my credit report, along with incorrect names, addresses, telephone numbers and SSN. I have called and disputed 3 times since it will not allow me to dispute on line and my file is still incorrect.
Product: Debt collection

Original Creditor - Chase Card {$800.00} Amount - Unverified Date Disputed :XX/XX/XXXX Disputed Charges & Requested For VOD - Validation Of Debt *** NOT Validation*** Resolution : XX/XX/XXXX  Per XXXX : I Quote Account Was Charged OFF & Status Was Updated Inaccurate, Unverified Accounts Per FCRA Sec. 609, 611, 623 Using The XXXX XXXX is an automated & does not even begin to Constitute a reasonable investigation
Product: Credit card or prepaid card

I am writing you today as an aggrieved man. FIRST PROGRESS unauthorized took {$200.00} from my XXXX XXXX  account for a fraudulent account after my identity was stolen. I filed complaints against with the CFPB, XXXX and PA attorney generals office against FIRST PROGRESS and they closed the fraudulent account and removed in from my name, but they never returned my stolen {$200.00}. I demand FIRST PROGRESS to return my stolen {$200.00}.