23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Convergent Outsourcing Inc called me everyday for months. They would call and ask me for personal information. I did not want to give them my SSN, birthdate or anything else. I offered to verify what they have. I also asked for a written notification. Instead they hung up and called back every day and did the same thing. They also repeatedly called my office phone without permission and any records they bought would have a do not call work on file. They must have looked up my new employer. 

When I finally received a letter, I called to make arrangements on XX/XX/2020. The agent I spoke with offered a settlement of one payment of {$700.00}. I agreed to a payment on XX/XX/2020. This is recorded. The agent instead, processed an immediate payment on XX/XX/2020 and scheduled a second payment of {$700.00} for XX/XX/2020 for a total of {$1400.00} and not the {$700.00} of the agreement. 

I called the next day to explain the payment had been processed sooner than I agreed. The representative informed me she would refund the {$700.00} and mark my credit that I failed to comply with a negotiated settlement even though she clearly understood her company had misrepresented the situation. I asked for another agreement in writing this time and was told it is their business practice not to offer any agreements in writing until AFTER the payments are made. 

This type of company is the reason consumer protections had to be created in the first place.
Product: Checking or savings account

I deal with Chime banking and my account been suspended for over a month everything they asked for to reopen or lift a suspension Ive provided plus more and nothing is being done. I have called day and day out and still nothing from Chime support about to be evicted And bills are overdue because of me not getting my money. Ive been dealing with Chime for over three years and never had a problem and now theyre treating me like this. I just want my money.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, authorized this dispute and want to make clear that it wasnt initiated by an unauthorized third party or credit repair service. Im addressing significant violations of the Fair Credit Reporting Act ( FCRA ) and other related consumer protection laws that require immediate action. These violations include : Willful Noncompliance ( 15 USC 1681n, FCRA Section 616 ) : Credit information about me was accepted and reported without verifying its accuracy, which constitutes a willful violation of the law.

Failure to Disclose Opt-Out Rights ( 15 USC 1681a , FCRA Section 603 ( d ) ( 2 ) ( A ) ) : You failed to inform me of my right to opt out of sharing my personal information, depriving me of important consumer protections.

Furnishing Deceptive Forms ( 15 USC 1681s-2 ) : My credit report contains inaccurate inquiries and accounts that were not properly validated. Reporting these inaccuracies is misleading and violates GAAP principles.

Violation of Debt Collection Practices ( 15 USC 1692 ) : Inaccurate debts and accounts were reported without my consent, leading to harassment and unnecessary stress from creditors.

Improper Disclosure of Debt Information : Debt collectors shared my information with third parties in violation of the law, falsely stating that I owed a debt.

Inaccurate Late Payment Reporting : Late payments were reported on my credit report without clearly defining what constituted " late, '' leading to deceptive and inaccurate reporting.

Failure to Accurately Determine Finance Charges : As a credit reporting agency, you failed to ensure the accuracy of finance charge calculations, which is your legal responsibility.

Unauthorized Credit Report Access ( 15 USC 1681b ) : Information was reported on my credit report without my written consent, violating permissible purpose requirements.

Requested Actions : To resolve these issues, Ive outlined specific corrections, including updating inaccurate late payment reports to paid as agreed/never late, removing unverified and unauthorized accounts, and deleting unauthorized hard inquiries. These include accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, among others. 

I expect these violations to be addressed promptly. If they are not resolved, I will exercise my right to seek legal remedies under the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

recently reviewed my Consumer Reports and noticed that I had a late payment reporting from XXXX when in fact I was NEVER late on that account. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report XXXX information to the best of their ability with XXXX XXXX. I have NEVER been late for the account ( Creditor : XXXX # XXXX ). Please investigate and provide Proof with statements showing that this payment was late. If proof can't be provided I demand this payment be updated to ON TIME as it should be as I was NEVER late!!! 

Also, When looking at this account, I noticed that the Open Date, High Credit, Last Reported Dates and Last Active Dates, as well as Dates of Last Payment all vary between the XXXX bureaus ( Experian, XXXX and XXXX ). -- See attachment with above circled in red... 

In short, under XXXX XXXX XXXX ( b ) ( b ) Accuracy of Report Whenever a XXXX XXXX XXXX prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that under XXXX XXXX ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation Thanks for your help in this matter!!!
Product: Student loan

SoFi heavily advertised a {$450.00} bonus paid in cash for refinancing a loan with them. The process of setting up the loan, while it does involve entering bank account information, does not trigger the payment of the {$450.00}. 

There are no clear instructions on how to provide the needed information to SoFi to receive the {$450.00}. I received emails notifying me they needed my bank account info for ACH deposit, but the link took me to a general account home page with no clear place to input the information. 

After reaching out to their customer service, they told me it could be found in the " refer a friend '' section of the " membership '' menu. There was nothing before my interaction with the customer service agent that pointed this out or made it clear in any way on the website or in any emails. Additionally, the terminology on where the information is to be entered does not align with what a reasonable person would normally search for and creates UDAAP concerns on my part. 

I believe that the process is potentially designed to be deliberately difficult to reduce the number of customers who actually complete the needed information to receive the {$450.00}. I recommend an audit of the company 's incentive program, communication, and the number of claimed rewards vs those that are not. I would also recommend the analysis be performed from a Fair Lending perspective to determine if there has been a disparate impact on XXXX  customers.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to request the deletion of a specific account from my credit report with Experian Information Solutions Inc. due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : XXXX Creditor Name : XXXX  Incorrect information identified in reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process.

Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information. 
Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report.

Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data.

Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. 

Supporting Case Law : In XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further reinforces the obligation to maintain reasonable procedures to ensure accuracy.
Product: Debt collection

TODAYS XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1969 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX  XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the  pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CREDIT COLL   XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/1969 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Money transfer, virtual currency, or money service

I in the past used the XXXX app as an additional savings program. At some point months ago, Pnc decided that they would no longer allow access. I have contacted Pnc to help with this issue and in essence got the sorry not sorry response via social media ( the only way I actually got a response ). 
They have inhibited me from accessing my funds in the way that I choose. I have attempted to log in with a in place security measures and still am not being granted access.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$28000.00}, XXXX XXXX  XXXX Balance : {$3500.00}
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX  Balance : {$13000.00}
Product: Debt collection

I want to pay off student loan. West Asset Management attached my wages. XXXX is responsible for loan according to IRS. Ca n't dispute Ca n't get a detail history stating all fees and charges add onto loan. Called XXXX in XXXX 2016 to request this information. As of XXXX 2016 no payments have been taken out of my pay and fees are being added. Do n't know who to make check out to or where to mail a check to completly pay off loan. Several diffent collection agencies have added fees onto this loan, but I do n't know how much. West Asset Management and XXXX collection servies. I just want to pay what I owe and be done with this. Who do I need to contact? How can I get the information I requested from XXXX and West Asset Management?
Product: Credit reporting or other personal consumer reports

Lexington law is the company i was paying {$99.00}. every month for a service they not provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX student loans attempted to contact me via multiple phone numbers ( which I thought were scam likely numbers ). Without communicating with me, the company reported a delinquent payment that significantly decreased my credit score. I am requesting a removal of the credit flag as I have entered a payment agreement with XXXX due to losing my job amidst the Covid-19 pandemic. Also, since this is my first time dealing with a delinquent payment to XXXX and due to substantial hardships the pandemic presented, I am requesting leniency with the confirmation that I will make future payments on time. XXXX has only provided 4 months of emergency disaster forbearance and I still do not have a job. My other student loan lender ( XXXX ) has agreed to enter a similar payment agreement so I hope XXXX can be accommodating given these circumstances.
Product: Bank account or service

I purchased a money order from USPS the money order how ever got lost in the mail I purchased tracking of the money order also to prove to the bank that it was not cashed the bank denied my claim and since has put my account in a negative balance and is reoccurring overdraft fees and since I get my check direct deposited they are going to take my whole check come Friday. This is absurd I have rent to pay once again as in result this is not my fault.
Product: Credit card

I disputed a transaction with XXXX XXXX back in XXXX, using my Chase Sapphire Preferred credit card. Four months later, the merchant finally responded. JPMChase then requested additional evidence from me, but their calls only came during work hours, making it difficult for me to respond. When I tried to submit the evidence after work, their phone lines were already closed. When I finally reached out, I was told I had missed the deadline by just 30 minutes, and the case was closed in favor of the merchant. 

I escalated the matter to a supervisor, who granted me an additional 48 hours to submit my evidence. I provided it within that time frame, but now theyre claiming theres no record of the extension or the manager who granted it, and theyve closed the case again ( even though Chase records all of my phone calls ). 

The transaction I was disputing was for a XXXXXXXX XXXX charge of {$2200.00}, posted on XX/XX/year>XXXX XXXX XXXX claimed that the booking was canceled because my party did not make the cruise, which is inaccurate. We were actually denied boarding due to a visa issue, despite being reassured by our XXXX XXXX, XXXX, that it wouldnt be a problem. All calls between our party and XXXX from XXXXXXXX XXXX were recorded. He explicitly stated that the route we chose wouldnt require a XXXX visa and that the border agents likely wouldnt check for one. I even asked for clarification about the visa requirements during our conversations. 

Additionally, my husband, who also has a Chase Sapphire Preferred card, filed a dispute for the same issue and was credited without any problems. So why was my claim rejected without a valid explanation? 

In support of our claim, I am providing the following : Proof of our XXXX ride to the port on the day of the cruise. 
Proof of our XXXXXXXX ride from the port after being denied boarding. 
A document showing that we were denied boarding due to visa requirements.
Product: Credit reporting or other personal consumer reports

Your Name : XXXX XXXX XXXX Your Address : XXXX XXXX XXXX, XXXX  XXXX, XXXX, XXXX  XXXX Email : XXXX Phone : XXXX DateXXXX To : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Subject : Dispute of Inaccurate Account Information - XXXX XXXX Dear Sir/Madam, I am writing to dispute the following inaccurate account information on my credit report. I believe the account listed below is not mine, and I have no contract or relationship with the company. Therefore, I request the immediate removal of this account in accordance with the Fair Credit Reporting Act ( FCRA ) guidelines. 

Account Information Account Name : XXXX XXXX Account Number : XXXX Account Type : XXXX  Date Opened : XX/XX/XXXX Balance : XXXX Past Due Amount : XXXX as of XX/XX/XXXX Since this account is not mine, I request that you remove it from my credit report immediately. Please verify the ownership of this account, and if it can not be substantiated with accurate documentation, it should be deleted from my credit report. 

I kindly request a prompt investigation into this matter, and I would appreciate receiving written confirmation once this error has been rectified. If you require any further information or have any questions, please feel free to contact me. 

Thank you for your attention to this matter. 

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

I reached out to XXXX and Experian and XXXX on several occasions by CERTIFIED MAIL ( which I have proof of ), bringing it to their attention that XXXX XXXX was reporting inaccurately with the amount I allegedly paid to settle a debt and they have all refused to remove it besides XXXX. The 1st certifed letter was sent on XXXX X/XX/17. Second letter was sent X/XX/17. Third letter was sent X/XX/17.And the final letter was sent X/XX/17.. XXXX conducted a FULL investigation and realized that I was right and removed the inaccurate account from my report. Experian and XXXX have continously lied and said that it was verified as accurate which I have proof of that that is not at all true. I would like to move forward with a lawsuit and complaints against both parties for refusing to honor my rights as a consumer to only have ACCURATE information reporting on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Equifax had done nothing to correct my Credit Report and eliminate the Fraudulent Information totally from my File. I have been sending countless letters appealing to Equifax to verify the disputed items and remove them if unable to prove that the Items are mine. In fact, I have sent them my FTC complaint report. I have been a victim of Identity Theft and the items I am disputing do not relate to any transaction that I have made or authorized. Neither did I receive any possession of goods, money, services, nor benefits from the Theft of my Identity. I have read that the Credit Bureaus are bound to comply with the FCRA regulation section 605b but despite all my efforts to inform Equifax about the theft of my Identity and that the items were never mine, they never cared nor paid any attention to my Disputes. They became negligent of the FCRA law and continued reporting this information on my Credit File without Proper Verification nor Investigation. I came to a conclusion that the Credit Bureaus are not afraid to break the Federal law thus they chose to be lazy and neglected my appeals. Once again, I am urging the Credit Bureaus to remove the following items completely from my Credit File with or without proper verification since the time given to the Credit Bureaus to investigate was already over. I need the following Items removed now! 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00}, XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8500.00}, XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$2500.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00}, XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00}
Product: Credit card or prepaid card

I have already put in an inquiry with complaint number XXXX. I was suppose to receive a check for {$53.00} and did not receive it yet. The gift was for my granddaughter and she is still asking for it still. I have waited patiently for pay pal to send it but still have not received it.
Product: Bank account or service

I am a senior citizen who has been vulnerable to financial trouble due to a bank that used my money to open up unauthorized accounts. This bank that I speak of is Wells Fargo. It first started out by putting me in a platinum savings account. Then I received notice of a standard brokerage account. In the end I have all of these accounts that I never approved of. Wells Fargo has moved my money in the manner of which they saw best fit, nothing in regards of my consent. There were also false dates that provides proof on their behalf that I was at their local branches making these changes. The time span of all these events was XXXX 2016 to XXXX 2016.