23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I've been receiving repeated calls from a call center ( Convergent Usa : www.convergentusa.com ) that uses multiple numbers to get around spam filters. When I pick up the phone, there is no sound until I make a noise, and then I am forwarded to their call center where they pick up and automatically know my name. They demand that I confirm my name and provide information confirming who I am. They will not tell me what the call is about, how they got my number, or what their company does. I have asked for their business license to confirm that they are who they say that they are, but they won't give it to me. They say it's company policy not to give any information until they have confirmed my identity. Now, I'm trying to pay a debt to XXXX. When I call XXXX their phone tree connects me to an unknown number that someone picks up and says " this is the wrong number, call XXXX ''. So I do that, and I end up back at the call center that's been calling me. I've talked to a supervisor and informed him that it's against the law to call for debt collection and not state you are a debt collector before any communication. Yet XXXX XXXX, the supervisor I talked to said he still will not provide any information about his company. So my question is how can I pay my debt if I can not confirm that this company is legitimate? It's a direct violation of the Fair Debt Collection Act if indeed they are trying to collect a debt XXXX XXXX XXXX  XXXX : ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. 

Of course, Convergent USA did not confirm with me what their company does, but their supposed website does have a payment portal, which indicates to me that debt collection is something that they likely do. XXXX XXXX also offered to take my number off of Convergent 's call list still without informing me what he was calling about. If this really is an attempt to collect a debt, I would want to know before you remove me from the list! How can I even pay my debt if this is the company that has it and they won't identify themselves?? Very very shady.
Product: Debt collection

This company XXXX XXXX XXXX XXXX XXXX ) advised me I would be able to break my lease without penalty. They submitted false documents with the incorrect move out date, false apartment damages, and it has wrongfully affected my credit. 
I was told I would be able to pay an extra month and would not get my deposit back due to me breaking my lease. The apartment 's corporate office will not return phone calls after about 6 months of calls/voicemails. When I contact the apartment complex the manager response to my concerns by saying " I could tell you something but the computer will do other options ''. I moved out XX/XX/2018 and never received any notice until XX/XX/2018, which was a collection notice from a law firm. 
This is not fair to me and wrongfully affects my credit. I would like for this to removed from my collections. 
There is an influx of fraud from apartment complexes going on in XXXX now. I do not want to be affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

INQUIRIES ( stolen identity ) WF CRD SVC made a Bank XXXX Credit Card Inquiry by checking your XXXX XXXX XXXX 
Impersonator fraudulently Requested credit on following dates : XX/XX/2022, XX/XX/2022 Contacted Wells Fargo on XX/XX/XXXX to dispute application and advise of fraudulent activity. 

XXXX XXXX XXXX  made a Bank XXXX Credit Card Inquiry by checking your XXXX XXXX XXXX XXXX fraudulently Requested credit on following dates : XX/XX/2022, XX/XX/2022 XXXX XXXXXXXX XXXX made a Bank XXXX Credit Card Inquiry by checking your XXXX XXXX XXXX 
Impersonator fraudulently Requested credit on following dates : XX/XX/2022, XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX  XXXX has violated my rights 15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.SC. 1681 section 604 A States : it also states a consumer report agency can not furnish a account without my written instructions
Product: Debt collection

This company continues to call my phone number and did a skip trace and has consistently called XXXX of my family members. They state they are not a collection agency and are a legal aid firm for XXXX. They claim I owe them {$16000.00} and need to settle or they will sue me. I have asked for a validation of debt notice as I have never received any correspondence from them. They state I need to call XXXX and refuse to mail me any documents. They will not give me their address to mail a cease and desist letter. I am unable to stop the phone calls and they are harassing me and my family. They claim to be based in XXXX, NY. They have violated a countless amount of FDCPA related laws, but I am unable to continue the process without them giving me any information.
Product: Mortgage

Quicken Loans offered me a VA loan costing {$15000.00} to refinance my existing conventional loans of {$150000.00}. It was actually a bait and switch technique to get me to take their cheaper loan from another source. It was offered today at XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies.

( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Also, ( b ) Duties of furnishers of information upon notice of dispute ( 1 ) In general After receiving notice pursuant to section 1681i ( a ) ( 2 ) of this title of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person shall ( A ) conduct an investigation with respect to the disputed information ; ( B ) review all relevant information provided by the consumer reporting agency pursuant to section 1681i ( a ) ( 2 ) of this title ; ( C ) report the results of the investigation to the consumer reporting agency ; ( D ) if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis ; and ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information.
Product: Checking or savings account

Once again XXXX XXXX has denied my claim XXXX XXXXXXXX stating that an escalated review was completed but were the document, phone records, analysis i.e anything that will support their claims or finding that these transaction were authorized. They keep speaking of an internal system which is only computer with numbers. Their evidence is only my account/ statement showing the funds has been taking out of the account which is what we know, but they continue to state a claim in which they are denying me my security credits, and I believe no records at exist. This is a willful and intently done to caused me harm and damage. How can XXXX XXXX continue to deny my claim with no evidence and the CFPB continues to do nothing. If there findings are indeed correct than it should be no problem for them to provide Authenticated documents, records, numbers, names, I.e any information supporting that claim but on today XX/XX/2024 I received another packet from XXXX XXXX that contains the Deposit agreement which only proves my point. They fail to show anything thats contradictory to my statement and proof or not only a Breach of contract but also a Breach of Trust as Fiduciary of My Trust they are failing to do whats right for me the Beneficiary and I will not stop until this goes to Federal court and I will subpoena the CFPB for failing to do their job.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX I purchased a vehicle from XXXX XXXX XXXX for {$17000.00}, financed through XXXX XXXX. The car was repossessed on or about XX/XX/XXXX. 

I mailed a letter to XXXX and XXXX XXXX disputing the full amount of the vehicle XXXX is requesting me to pay, since the vehicle has been sold, I should not owe the full amount. After the vehicle was repossessed, I did not receive any notices. 

1 ) Notices should have states that they have the car in their possession and that the car will be sold to recover the amount owed ( this is called the Notice of Sale, which I did not receive. ) This notice should have been sent to me within ten days of their possession of the vehicle. Since they did not provide me with this information they can be barred from collecting on a deficiency judgment. 
2 ) After the vehicle was sold the lender then is required to send me a second notice, stating the amount that they credited me from the resale, as well as a cancellation notice of the original sales contract.

Additionally, there were GAP Insurance and service contract on the vehicle into the original purchase, these amounts should have been deducted from the amount that the XXXX states I own.
Product: Checking or savings account

Last year in XXXX I discovered that a person was linked to my cash app account and has been using and stealing from my account please help me with this issue I have a XXXX so I don't understand some things Cash app is aware of the puppeteering and identity theft thank You.
Product: Credit reporting or other personal consumer reports

The account is with : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, IL XXXX Phone : XXXX Email : XXXX This account was paid off XX/XX/year> and reported to all XXXX credit reporting agencies on XX/XX/year>. However, non of them have updated my credit report as of yet. I filled a dispute with all XXXX on or about XX/XX/year>. All XXXX credit reporting agencies responded that the account balance was correct on or about XX/XX/year>. I provided a copy of the account paid in full letter on or about XX/XX/year>. 

I called XXXX XXXX and after checking their records they confirmed that they had reported the account paid in full on XX/XX/year>. They also advised me that I should file this complaint. 

All XXXX credit reporting agencies are very difficult to file disputes with and impossible to get on the phone!
Product: Debt collection

Portfolio recovery For said XXXX XXXX card..allegedly from XXXX. They removed from my savings account {$2200.00} and {$120.00} fee. I called XX/XX/XXXX the day the funds were removed. I was given the number by my bank on who to contact. I was told I would get information pending an investigation within XXXX to XXXX business days. Today being XX/XX/XXXX I again called asked what the holdup was and was given the runaround. I was told by XXXX from the disputes part of portfolio recovery again.. She would file a dispute! I seriously do not understand how this can even be legal! I do not have a XXXX XXXX card nor have I ever. They also had down a way to contact me was a XXXX XXXX XXXX I have lived at my home for XXXX  years, which definitely is not a XXXX XXXX XXXX
Product: Credit card or prepaid card

After meeting all the requirements, I was denied an extension of credit on XX/XX/XXXX  after applying for a Discover card with Discover Bank and was denied credit without any conditional acceptance as outline In U.S Code. The denial reason being Bankruptcy as indicated on the adverse action letter which is also discrimination and a violation of my Inalienable rights.I am not in Bankruptcy and a previous Bankruptcy is not derogatory credit as no credit was extended. I am entitled to receive credit. Please see attachments with references to U.S. Codes and more
Product: Checking or savings account

This is about Citibank 's " New account opening '' process online, which poses a serious hazard to its banking customers in the unfortunate event, there is a bank run or financial crisis, as the consumer will not have any Citibank account details to file a claim with FDIC. 
The complaint is about Citibank NOT sharing the Account number immediately at the time of account opening, despite all verifications having been completed, T & C signed and account funded. Citibank proceeded to withdraw funds from customers funding account, but will not provide any details on the Citibank account to which it is posted. 

On XX/XX/2020, I opened a Citibank Checking and Savings account ( referred to as " Citibank Account Package '' ) on XX/XX/2020 using the internet via the following link posted on Citibank 's website " https : //online.citi.com/US/ag/open-cs-acct/index? formCode=deposit-ao & GS=IL & product_list=regular_checking, citi_savings & package=citibank_account & ProspectID=DA908B4B663E4463925A7CF970304571 & Promo_ID=4GZ7YTFGUDCVAT ''. 
The website took me through all the FIVE account opening steps, collecting personal information, ID verification, Employment and Income, Agreement & Disclosure. At the final step, after funds transfer was initiated, the website failed to provide me with my new Citibank ACCOUNT NUMBER. The bank proceeded to withdraw funds from my funding account the following day ( XX/XX/2020 ), but still did not provide any details on my new Citibank account. There was no electronic communication either with account number. I reached out to Customer Service on XX/XX/2020 and the Supervisor was not able to provide new CITIBANK account details. She stated I should wait for my debit card which is sent by regular US mail. After which I would need to register online to get my account number. 
This is a serious risk to its consumers if there were a need to retrieve funds for any emergency or in case of banking crisis.
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 https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item 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 XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$2600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$240.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

These inaccurate addresses are reporting on my personal credit file with XXXX, Experian and XXXX credit reporting agency. There are no name associated with this file, I don't think these inaccurate addresses are 100 % accurate because I don't even connected in these stated addresses. According to FCRA 611 you must report 100 % accurate and verifiable information in my personal credit report. Since this is a strict violation of FCRA laws I need these inaccurate addresses removed from my credit file.XXXX XXXX XXXX XXXX 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
Product: Mortgage

I called my previous loan company on XX/XX/XXXX to get a payoff quote for my loan and was advised the loan was transferred to Select Portfolio Servicing , Inc ( account number XXXX ) on XX/XX/XXXX. I called Select Portfolio Servicing on XX/XX/XXXX and also tried to log in online unsuccessfully. I waited an additional day and tried again on XXXX. When I was not able to set up an online account so I could request a loan payoff, I called the company. I talked with a gentleman who said he was going to escalate the request to the payoff department and I should have a fax with the payoff amount and instructions to pay within 3-5 business days. I have been looking for the fax to come through since then. When I still did not receive it this morning, I called the company again. I was advised that my loan has STILL not transferred and that they would make a new request to get a payoff for my loan sent to me via fax. They did not give me any timeframe of when I would receive it, nor would they try to contact an individual to see if they could manually take care of this immediately. I spoke to representative XXXX and then supervisor XXXX today. 

My main issue is that I want to pay my loan off but am not able to. Each day that goes by, I am having to pay interest unnecessarily because I am waiting for the mortgage company to respond. I would like my payoff to reflect back to XX/XX/XXXX, which is when I would have paid my loan off ( assuming I had a payoff amount and wiring instructions ). I don't want to pay interest because my loan servicer can't figure out their paperwork. I feel that I am being trapped to keep this loan inforce and would like some assistance to get this resolved quickly. I have not received ANY documentation from the new loan servicer ( SPS ) to provide to you.
Product: Debt collection

This company is attempting to collect on a debt that became a judgement on  XXXX / XXXX / 2008 .   In  NYS, the statute of limitations is 10 years ; and up to 20 years ( see attached ), however ; the debt collector must re-file the judgement a year prior to the expiration of the 10 years ( see attached ) This company is illegally attempting to collect on a debt and judgement without the proper protocol and is illegal in NYS.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX, has violate my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 

GUARDIAN FINANCE CO. 
XXXX XXXX {$19000.00} XXXX XXXX XXXX XXXX XXXX {$340.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX XXXX  I cosigned and financed a pool loan with my ex-wife. The ex-wife was awarded the home in our divorce in XX/XX/XXXX. 

In XX/XX/XXXX I bought a new home with my new wife and my ex -wife had let the loan with XXXX  go delinquent. The loan needed to be paid current in XX/XX/XXXX to allow me to close on my new home purchase and it was paid current. 

Then my ex-wife let her mortgage go delinquent again in XX/XX/XXXX. This would of started the statute of limitations of non payment and reporting history for that account. The account was removed and deleted off of my credit report in XX/XX/XXXX. 

Now XX/XX/XXXX I was notified from my credit reporting agency that a new loan from Statebridge was reporting a balance and payment due and reporting late payments from the XXXX pool loan that was over 8 years old. This account with Satebridge re-reported illegally and damaged my credit scores. 
I disputed the account first with XXXX  and it was deleted right away in XX/XX/XXXX. Then it appeared on XXXX XXXX and XXXX  when it hadn't reported before only on XXXX. 

So then I disputed it with XXXX XXXX and XXXX  and it was deleted from XXXX XXXX in XX/XX/XXXX. 

XXXX  has been the most difficult in not responding to my disputes. They updated the balance to XXXX and show it current but this is not acceptable as the account wasn't mine and is over 8 years old violating the FCRA rights of the statue of limitations. 


This an urgent issue as I do not have any negative items on my report and trying to purchase XXXX dollar home which requires jumbo pricing guidelines. This type of loan product in very strict and this inaccurate reporting of the statebridge loan is preventing me from closing on my mortgage. 

I again recently disputed the account with XXXX online and I need to get this correct in 30 or less releastically immediately.
Product: Credit reporting or other personal consumer reports

FCRA 605B could necessitate the removal of any incorrect accounts from my credit report. Can you review the documents? Some of the listed accounts have inaccuracies in terms of reporting, including incorrect amounts and dates.
Product: Credit reporting or other personal consumer reports

Department of EducationXXXX XXXX , Santander Consumer USA , Inc. , and XXXX XXXX XXXXXXXX ( third party from XXXX XXXX XXXX XXXX ) is on my credit report on false pretenses. According to XXXX XXXX XXXX I have obtained from all three companies state that my contracts were traded on the secondary market and the product/service was PAID the moment I signed the agreement. The companies listed above took those agreements and securitized them with the Federal Reserve. The above listed companies are committing Tax Evasion and Extortion according to the expert witness who conducted these certified audits.
Product: Credit reporting, credit repair services, or other personal consumer reports

I know that under XXXX XXXX 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 information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( XXXX  ) 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 and ( XXXX ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.