23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hi I have a collection for Convergent Collection # XXXX for {$2300.00} I live in Florida and they are not license here I don't recognize the bill they are trying to collect so I did a dispute on XX/XX/23. 
Convergent sent me got a copy of a bill from XXXX. 
I sent them this letter on XX/XX/23 ( without any response ) " The bill you provided does not match my name, my name is XXXX XXXX XXXX. 
The bill you provided is not proof that you ( Convergent ) owe this debt and therefore no evidence that you have any rights to collect this debt. 
Youre not license in Florida to collect a debt. 
Your letter does not have a statement indicating that the consumer ( me ) has the right to dispute the debt within 30 days. 
You have not provided with information on how to dispute the debt. 
You have not provided any supporting documentation, such as a copy of the original contract. ''
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

just recently looked at my credit report XX/XX/year>. I saw some hard inquiries that did not have permissible purpose. i also attached evidence XXXX. XXXX XXXX XXXX XX/XX/year> This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 1b 2. XXXX XXXX XXXX  XX/XX/year> This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 1b
Product: Checking or savings account

I had noticed on XX/XX/XXXX I received a notice from Chase Bank that I was overdrawn on my account. I immediately called them because I just had my Direct Deposit that day and knew I had no outstanding charges. I looked at my account only to see there were 2 {$590.00} charges to my account from XXXX. I called and spoke with a CSR where he looked at my account and seen a {$1.00} charge in XXXX that I was not even aware of from XXXX. I told him I am calling about my account being completely depleted due to this and wanted my money back. He asked if I want to stop payment and it would be a charge. I told him I had an alert on my account and informed Chase multiple times do not accept payments from XXXX because this happened before and I do not have an account with XXXX. The CSR assured me my fund would be in my account in 12 hours. I checked my account and no funds were put back. I called again and spoke with another CSR who informed me my 2 Charges of {$590.00} were denied because another claim was opened same day for {$1.00} and they only allow 1 claim every 60 days. I told him I did not file a claim for {$1.00}. He stated he would fix it and my money would be refunded in 12 hours he advised me to close the account. Next day I enter a bank only to find the money still has not been returned. The Employee at the bank informed me MULTIPLE people were in the past 5 days complaining their accounts were compromised. She shared that her account was compromised and promised my money would be returned in 12 hours. Again NOTHING. I contact the Executives of the company to have a XXXX   who is an Executive CSR call me blaming me for my fund not being secured and If didn't give my email out. I don't even shop on line. She suggested we conference XXXX on a call, I agreed. Immediately she asked how can Ms. XXXX secure her account with you, by changing her email. The XXXX rep did a search for me and stated, SHE DOES NOT HAVE AN ACCOUNT WITH US. I then asked, with the {$1.00} charge in March is that the Thief making an attempt to see if the bank will allow them access to my account, HE said YES. I then asked is this a Bank Security Issue, HE said YES. XXXX was very quiet after that. CHASE BANK Still will not return my funds, I just received an email stating I have a temporary refund of {$1.00} the fund the 1st CSR filed that I did not know about nor Authorize. I am now getting Penalized on bills not paid. CHASE refuses to refund my money even though it has been shown it was their errors and system that was compromised.
Product: Credit reporting or other personal consumer reports

lexisnexis does not have contract with me to be reporting any information in they database about me
Product: Mortgage

XXXX nationstar stopped taking auto withdrawl from XXXX XXXX XXXX ac. with no notification ( phone calls ' letters ) that they stopped withdrawl or quite posibly sold my mortgage on XXXX/XXXX/16 i was served in person a forclosure notice i called to resolve and they said ihad to pay XXXX lawyers fees i offered to pay only what i owed imediately they refused to take my money without lawyers fees they also had no answers why they stopped taking automatic withdrawls
Product: Debt collection

I have attempted to fix this situation with Exeter which they sold this fraudulent account to XXXX XXXX XXXX, I have sent letter to provide information of : 1. The original Retail Installment Sales Contract or Lease Agreement, associated with the sale and financing / leasing of this vehicle. Please be sure to include any arbitration provisions. 
2. The full payment history on this account. That includes monthly balance, required minimum payment, and the actual amount paid. Please be sure to include the date of each payment. 
3. The Notice of Sale / Notice of Default, informing me of the date, location and method through which the vehicle would be sold, and how I could redeem the vehicle. Please provide proof of mailing for this letter.

4. Explanation of Calculation of Surplus or Deficiency, including an itemized description of costs and fees. Please provide proof of mailing for this letter. 
5. Any notices regarding our clients right to redeem personal property contained in the vehicle. Please provide proof of mailing for this letter.

6. Details regarding whether this was a public or private sale. If this was a private sale, please advise as to whether this was a wholesale transaction ( dealers/ vendors only ) or open to non-professional buyers. 

Nothing has been sent back to me. Letters were sent on XX/XX/2022, XX/XX/2022, and i even submitted complaints of fraudulent activity via the CFPB about 1 month ago and Exeter 's response was that they sent a letter of their investigation. No investigation happened though.
Product: Debt collection

I am currently seeking assistance from the CFPB to address this issue and hold XXXX XXXX of XXXX XXXX XXXX accountable for their actions. I have identified numerous discrepancies in the charges reported by XXXX XXXX of XXXX XXXX XXXX on both my and my husband 's credit reports. After careful examination, several inconsistencies have come to light : - Initially, our credit reports showed a balance of {$4000.00}, while the invoice indicated {$2900.00}. However, the balance was recently adjusted to {$3800.00}, including an additional {$880.00} payment made to XXXX XXXX XXXX XXXX XXXX XXXX ( hired by The Crossings ). This charge was not part of the original documentation provided to my husband and I. Furthermore, as tenants, it is not our obligation to pay any third party for their services, as stated in the signed agreement with The Crossings. This practice is highly unlawful. 
- The invoice incorrectly lists charges for three replaced doors, despite evidence indicating only two were replaced.

- Charges for labor and paint were applied to both the exterior and entire interior of the apartment.

- Unlawful charges were levied for Eviction Filings ( 5X ). 

Moreover, during a conversation with a XXXX XXXX XXXX XXXX XXXX XXXX representative, they acknowledged their responsibility in providing information to credit bureaus on behalf of The Crossings. However, it is essential to emphasize that their duty is to furnish accurate information only. The actions of XXXX XXXX of XXXX XXXX XXXX constitute a breach of 15 U.S. Code 1681s-2, which specifically regulates furnishers of information to consumer reporting agencies. This section mandates that entities providing consumer information to credit reporting agencies must refrain from reporting inaccurate information, whether known or reasonably suspected. Despite being aware of the unlawful and inaccurate charges, evidenced by the balance discrepancies I highlighted, and by the balance initially {$4000.00} to now {$390000.00}. XXXX XXXX of XXXX XXXX XXXX persists in violating the law and infringing upon my consumer rights. 


It is imperative that XXXX XXXX of XXXX XXXX XXXX promptly addresses these discrepancies and adheres to legal standards in their debt collection practices. 

In addition, The Crossings should be morally ashamed for charging tenants ( once paying customers ) these unlawful, illegal and unreasonable fees. The Crossings Courts need to be held accountable for their actions as well!
Product: Vehicle loan or lease

In XXXX I made a payment with a different check account for a vehicle loan I have with wells Fargo dealer services. I had been sick that I had forgotten to include acct number on the check for my payment but my payment was made, I was called about my check missing information. I went back the next day to provide info but I was not told I was getting penalties added to my account. This created a hardship for me being sick and unable to work, not knowing if my employer was going to pay me. I continued to make my payments regardless and for the following month, I called to Wells Fargo to dispute the penalties and was told it was a process and to look at my statements for the following months and noticed every month ongoing I kept receiving penalties added to my acct. 
I have called here and there cause I can not get through to talk to customer service and the local branch said they accept payments but are not dealer services. I called again and was told that there are no exceptions for anything including covid or for any reason. I asked just to clear that month and not that would stop the ongoing months of penalties. Recently, my vehicle needed a brake module sensor which is costing over {$2400.00} plus labor so the vehicle is inoperable. The mechanic wants to purchase the vehicle as I can not afford the repair so I called to get the payoff price to allow the mechanic to make the purchase and rep on phone told me {$380.00} are in penalties and the remaining balance is the vehicle payoff, I asked to have penalties removed and she stated no exception for anything wells fargo does not do that. I was unemployed for over 6 months due to covid and being terminated and sick after receiving vaccinations, declaring a hardship in every matter regarding my livelihood while wells fargo does not want to help or work with me.
Product: Mortgage

On Friday, XX/XX/2016, my account was due for the XX/XX/2016, mortgage payment. I telephoned Mr. Cooper on Friday XX/XX/XXXX, trying to make a mortgage payment however I was unsuccessful in reaching anyone that day, for reasons I can not recall. 

I contacted Mr. Cooper on Monday XX/XX/2016 because their institution was closed Saturday, Sunday and Monday due to the holiday. On XX/XX/XXXX, I spoke with a team member to attempt to make my payment and the team member advised me that they were unable to accept my XX/XX/2016 payment because I did not make my payment on the XX/XX/XXXX and due to the terms of my agreement ( completed loan modification ) my account did not have an allowable grace period. The team member further explained that the only way they would accept the XX/XX/XXXXpayment is if I advanced the XX/XX/2016, payment as well. This would mean, I would need to make both the current month due and a future payment as well. 

At that time, I did not have the additional reserved funds to make both the current XX/XX/2016 and a future XX/XX/2016, mortgage payment together. I was advised to reach out to friends/family or take out a personal loan in order to make the XX/XX/2016 and XX/XX/2016, payments. 

I attempted to apply for a loan modification after I made numerous attempts to make my mortgage payment, but I was denied the ability to do so because I was required to make XX/XX/XXXX and additional payments at once when I didnt have the resources to do so at that time. My account was then referred to foreclosure and after speaking with the VA, the VA advised me to try to apply for payment assistance options.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted the same complaints several times already but still, these items are visible on my credit report. I have no idea what is going on over there at the CFPB. This is so incredible! How can you guys let these multiple complaints pass? You guys seem like a lot of passing the blame or no accountability. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please correct the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Fruad Account reporting on my credit reports. 


XXXX. XXXX XXXX {$2600.00}
Product: Credit reporting or other personal consumer reports

This is my attempt to get this matter resolved. I've submitted my previous letter to 3 credit bureaus with the CFPB. I have no clue what in the world the credit bureaus trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The credit bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). I disputed information was reporting to my credit file held with by them. These items were opened fraudulently. I informed them of the issue & provided them with the required documents to remove the items via FCRA Section 605b. They have failed to delete the items, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I need the following items be removed from my report : XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX Balance Owed : {$20000.00} ; XXXX XXXX  XXXX XXXX Balance Owed : {$4900.00} ; XXXX XXXX  XXXX Balance Owed : {$17000.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$5600.00} ; XXXX XXXXXXXX Balance Owed : {$31000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$5500.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$4800.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1100.00} ; XXXXXXXX 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 XXXXXXXX XXXX OK XXXX ; XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX Balance Owed : {$20000.00} XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$4900.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$17000.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$5600.00} ; XXXX XXXXXXXX Balance Owed : {$31000.00} ; XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$5500.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$4800.00} ; XXXX XXXXXXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Debt continues to remain in collection status on my credit when balance has been paid in full.
Product: Credit card

CAPITAL ONE charged {$1000.00} for service or products that I have not received. 
I already ask them to remove charges and They do n't want.
Product: Credit reporting, credit repair services, or other personal consumer reports

A pay to delete letter with sent into the company in exchange for the balance to be paid off, the collection was not deleted, but only marked as closed.
Product: Vehicle loan or lease

Wells fargo repossessed my car illegally in XX/XX/XXXX. Due to multi impact issues. They forced placed insurance on my account and incorrectly processed my payments. 
In XX/XX/XXXX I attended a mediation session with Wells Fargo under false pretense and signed a mediation agreement for XXXX. 
At the time Wells Fargo was still in ongoing litigation with the CFPB. They knowingly withheld this information from me and the outcome of the litigation in XX/XX/XXXX directly impacted my account. I would have not signed nor agreed to the XXXX mediation knowing this. They continue to use deceptive tactics. I asked for a XXXX mediation in XX/XX/XXXX from Wells Fargo which was denied cause they said it was duplicate alligations and they consider my case closed. I don't feel the original resolution mediation was fair and or transparent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my formal complaint to PNCBANK for taking no actions on correcting and removing the fraudulent account that is still reflecting on my credit report and continue to damage my reputation. I sent out communication to them for so many times but until this time no further action I been taken. I have attached my FTC report with the report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have 2 collection accounts from XXXX XXXX that XXXX has already fixed and I've tried contacting Equifax and logging in to no avail. Keep getting a message try again later. One is for {$25.00} and the other {$35.00}. I have great credit and this is impacting my rates. These charges were paid by my insurance company.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 syncb/ Lowes Brc.has placed a false inquiry on my credit report that I did not initiate nor authorize.. I have reached out to them to dispute on numerous occasions with no response. 
They are violating my rights and harming me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Citi card account I had on autopay with my XXXX XXXX XXXX I had to close my checking account due to fraud. Citi did not notify me of autopay being disabled. Right after being disabled late payment was reported on XX/XX/2020. I contacted Citi and spoke with a manager regarding the inaccuracy on XX/XX/2020 and paid my entire balance of XXXXInaccurate information was not removed credit bureaus. I set up direct deposit to prevent it from happening again.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
15 U.S.C. Section 602A States I have the right to privacy.

15 U.S.C. Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) states : no consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records of conviction which antedates the report by more than seven years.

15U.S.C. 1681s-2 ( a ) ( 1 ) states : 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

According to 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. This is my 2nd attempt reaching out to the bureaus making corrections to updating my personal information. Please remove all addresses EXCEPT current address XXXX XXXX XXXX XXXX XXXX XXXX XXXX