23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is a formal complaint against Convergent Outsourcing located in XXXX, WA. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX XXXX and XXXX and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Convergent Outsourcing has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

Numerous disputes have been sent to TransUnion asking for a complete and thorough investigation into the inaccuracies listed on my credit report. The credit bureau has a public record ( Bankruptcy XXXX XXXX Discharged ) listed as " XXXX XXXX XXXX ''. They use third party vendor XXXX XXXX to scrape this information from XXXX  and they place this unverified information on consumers credit reports. I have asked the credit bureau how I am " Contractually liable '' if all my debt were wiped away and I'm afforded a fresh start. They have yet to provide me with their methods of verification as if its a military secret. They are and have been reporting erroneous information on my credit profile for 2+ years now. The last time they updated my credit report was XX/XX/2021. I am writing to show how unprofessional this credit bureau is and they have failed to due their due diligence in properly investigating my disputes. There is no where in my paperwork that states I am " contractually liable '' for any debt. Where did they receive this information from? They have yet to provide copies of paperwork that states I am contractually liable for any debts.
Product: Credit reporting

Every attempt has been made to have XXXX accounts removed from credit files. I have been informed that creditors has no say so in where accounts are reported. In the remarks block TRANSUNION continues to comment about bankruptcy, stating " Bankruptcy dismissed '' I met with my Bankruptcy Attorney and informed him that filing for Chapter XXXX Bankruptcy would not be in my best interest. I voluntarily requested Chapter XXXX Bankruptcy be dismissed. The Bankruptcy Courts of West Virginia honored my request and dismissed this Chapter XXXX Bankruptcy prior to any conclusions. There were no lists of creditors, no amounts reported, or frequency of income provided. The Bankruptcy Courts labeled this file as void ( without any contents, empty ) .This Dismissed Chapter XXXX Bankruptcy has been remove from TRANSUNION credit files, but continues to comment on bankruptcy on XXXX accounts. Data that has been reported by TRANSUNION does not warrant accounts being reported as adverse accounts. The other credit reporting agencies shows XXXX as accounts in good standings.
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXXXXXX, XXXX XXXX  XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX have violated my rights. 

The FCRA, specifically 15 U.S.C. 1681 section 602 A, grants me the right to privacy.

In addition, 15 U.S.C. 1681 Section 604 A Section 2 prohibits consumer reporting agencies from furnishing any account information without my written instructions.

Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including any adverse item of information, except for records of convictions of crimes that occurred more than seven years before the report.

Finally, 15 U.S.C. 1681s-2 ( A ) ( 1 ) prohibits any person from furnishing inaccurate information about a consumer to any consumer reporting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent and incorrect accounts that are keeping to be established as correct. Be sure to generate a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. 


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

My name is XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX, OH XXXX my SS is XXXX my DOB XXXX. I AM REQUESTING A BLOCK /FREEZE! I have had issues with unknown addresses and I have addresses on my credit the are not mine please delete the following : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself My request for the correction and removal of the erroneous information about my accounts has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date, XX/XX/2022. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting unverified information. Below are the accounts that are still reporting on my account : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5400.00}
Product: Money transfer, virtual currency, or money service

XX/XX/year> at XXXX XXXX  I got text message from my online banking account CHIME saying theres was some transactions that were flagged and it ask me if it was me and I text back saying no because CHIME is only online banking so I figured it was them they texted back saying they were going to call me which they did right after with the same phone number as CHIME banking has. The person knew the whole amount of my account so they said it was a pending transaction and I had to denied I move my money to savings and the person said no move it back and she said it was refund authorized so I did and I took her not to take my money out which she did and she hang up on me and when I tried calling CHIME they had no record of no transactions or nobody from CHIME called. So they disputed the charge they said they were going to give me a temporary credit until they solved the case but ever since that happened they keep denying my dispute I called them everyday to check status. I HAVE SCREENSHOTS OF THE TEXTS, CALLS, POLICE REPORT WHICH I FILED THE VERY NEXT DAY AND EVEN A VIDEO WHEN I WAS TALKING TO THE SCAMMER AND STILL THEY KEEP DENYING MY DISPUTE. ITS XXXX DOLLARS. CAN SOMEBODY HELP ME PLEASE!!!
Product: Credit reporting or other personal consumer reports

I requested that the information be investigated for the inaccuracies of ( 2 ) Bankruptcies that Experian is reporting. I requested the steps taken to conduct the investigation and for them to provide the company that allegedly verified this information. XX/XX/2023 was the date of the last dispute letter sent out to Experian, where they failed to provide any of the requested information. Instead they provided an updated credit report that the information was verified. In accordance to the procedures set forth below Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the 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 reseller. 

( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) 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; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

My consumer rights have been violated by Experian which has caused a negative impact for me to obtain credit. Failure to conduct an investigation in a timely fashion, removing inaccurate information has caused me to get a higher percentage rate when I was granted credit. Experian claims that the company XXXX is the source of the verification, that company DOES NOT have a report of any bankruptcies on a file that they presently have associated with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is regarding the credit unions namely Transunion, XXXX  and XXXX. My identity was compromised in the year XX/XX/2016 which I was not aware of then. I received my social security number around that time and not being originally from the United States of America, I was not aware of the term identity theft and how it can affect your life. Unfortunately, being a victim of identity theft myself it has not been easy life since the year of XX/XX/2016. It has been over 2 years since I am constantly requesting and disputing accounts in my credit report which was not opened by me. The credit bureau has not been very cooperative, I have sent several letters stating to send me proof of verification or else delete the accounts. 

XXXX deleted all unverified accounts but failed to remove all non-account holding inquiries. 

Transunion and XXXX did not delete any unverified account, nor did they send any verification of the accounts. 

I request Consumer Financial Protection Bureau to help me with this issue and protect my rights as this issue has affected me emotionally as I can not purchase a vehicle or house for myself or my family. This inconvenience caused to me for all these years and I would want to be compensated for my time and struggle.
Product: Credit reporting or other personal consumer reports

I dispute the following hard inquiries on my credit report : 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  Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 16811 ), unverified inquiries must be removed. Please investigate and remove any unverifiable inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my mortgage on time all this year and when I tried to apply for a mortgage, I found o ut Chase reported that I was late 3 times this year. I contacted them and was asked to send a bank statement showing that the money left my account and was paid to Chase. I did just that and a few days later, they sent me a letter stating that they closed the case b ecause they believe the payments never got to them even with my bank statements clearly showing the opposite.
Product: Money transfer, virtual currency, or money service

am fiing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected,.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 


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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. 
XXXX : XXXX XXXX : XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX RE : Unauthorized Inquiries Dear Equifax XXXX the purpose of my letter is to dispute the following XXXX inquiries that are wrong and unauthorized. Please remove them from my Equifax credit report as soon as possible and confirm receipt of this letter. I have never given my permission to report this information on my report, no consent is fraud, which is in clear violation of 12 CFR 1006,34 ( d ) and 15 USC 1681-S29 ( 7 ) ( A ). 


XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX- XXXX XXXX XXXX XXXX  XXXX- XXXX XXXX
Product: Debt collection

I cancelled my XXXX XXXX XXXX XXXX credit card with Citibank in XXXX, 2019. In XXXX, I received a bill for interest charges related to charges I didnt make. On XX/XX/XXXX, I called and was told if I paid the {$30.00} in interest charges I wouldnt owe them anything else. Although I didnt believe I owed them, I sent a check on the same day. In XXXX, I began to receive harassing phone calls about the money I owed. I called Citibank and was told they had received the check and I had a balance of {$0.00}. I was also advised not to respond to requests for payment. 

Citibank is now demanding {$110.00} in interest and late fees. There appears to be no way to end this cycle.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX , I ordered clothing from   XXXX   XXXX  . Sales person ask me to open a credit card account, which I did. She never mentioned it was actually a credit card thru Comenity Bank which had I known, would not have authorized.
As soon as I realized this, I called  XXXX , talked to a   XXXX   XXXX   XXXX   and he agreed to cancel this account. This did not stop Comenity Bank from sending me a bill even though I paid off the purchase in  XX/XX/XXXX . They enrolled me a VIP program and sent a credit card which I never confirmed or never used. Comenity continued to bill me {$14.00} month. I refused to pay and ask for signed proof of requesting their card. Never received my request. This is much like   XXXX   XXXX   fraud.
In meantime, Comenity Bank turned the acount over to   XXXX   XXXX   who this complain is about. I have explained to them this situation. They continue to harass me with at least two times a day, even though I have requested proof that I signed any paper work authorizing this credit card.
Product: Consumer Loan

Capitol One Auto Finance sent me a statement due XXXX XXXX, 2016. I mailed a check tthem to make the XXXX XXXX payment. Two days ago I received another statement telling me my XXXX XXXX payment was due. I called Capital One Auto Finance to ask what was wrong. They explained that my previous XXXX XXXX payment had been applied to my principal, or some of it, they subtracted interest out of it. 
1.Why did they apply my first XXXX XXXX payment as principal? 
2. Since it was applied as principal, why was interest deducted from it? 

This has caused us to come up with another payment for XXXX XXXX, causing some financial disturbance. 
I was unable to get a straight answer from Capitol One Auto Finance.
Product: Credit reporting or other personal consumer reports

I want the following accounts removed that were reported without my permission : XXXX. XXXX XXXX XXXX ; XXXX ( Finance ) XXXX. XXXX XXXX XXXX  ( Finance ) XXXX. XXXX XXXX ( XXXX ) XXXX. XXXXXXXX XXXX XXXX ( Bank )
Product: Credit reporting, credit repair services, or other personal consumer reports

After obtaining my credit report from XXXX, it has many errors to date. On XX/XX/2022 I mailed them a letter containing the inaccuracies on the report that their company furnishes. As of today, I am currently requesting correspondence from this company, since they have failed to remove the errors, and inaccuracies on my consumer report. They have also failed to furnish any Affidavit, letter, or form that I even gave them permission to create and furnish this consumer report. 

As of today, I have been violated as a federal protected consumer in pursuant with 15 USC 1692 ( j ) 15 USC 1666 ( b ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( i ) ( d ) ( 2 ), The accounts that are being reported as " derogatory accounts '' have not been verified, and currently are inaccurate, as well as all alleged
Product: Debt collection

My home foreclosed in XXXX of 2010 with XXXX. XXXX had my ex partner and I sign a {$7200.00} promissory note. There were mistakes in it found after the foreclosure. They asked us to sign another promissory note. We declined. BofA never made any attempt to collect the debt for 4 years. My ex partner filed bankruptcy and the debt was not listed even though he double checked with XXXX to be sure. Last year, after four years of the debt not being pursued, XXXX sold the debt to Real Time Solutions, a debt collector. They have been trying to collect the debt from me. I do n't believe it is a valid debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.