23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XX/XX/2018 Convergent Outsourcing contacted me about what turns out was an old XXXX bill for {$750.00}, which was incorrect way back a long time ago. I told the representative, who sounded foreign, that I do not owe that because it was discharged several years prior because I had contacted XXXX  a long time ago and they told me it had been discharged. He began to raise his voice and tell me I was wrong and yell. I told him I wasn't paying it and they need to remove it because it should not be on my credit report. He kept talking over me and threatened to report it on my credit, which they did immediately. I told him not to ever call me or contact me in any way again. Since then, it keeps getting reported to look like there are late payments and at first glance it looks like it's an account that was opened in XXXX of 2018 because they actually had reported it then. It has been updated every month since XX/XX/2018 and looks like late payments. I do not owe these people and I want it removed from any credit bureau they have reported it to. I was so upset after this guy 's harassing call, I was in tears. I have enough on my plate with health problems and stress in my family. Please, please help me get this removed. I have read other peoples ' issues in dealing with this company and some are very similar to mine and worse. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 I filed a dispute with this credit bureau about the unverified account XXXX XXXX account # XXXX In those 2 months I have asked numerous times for a response and I have not received anything in response from this bureau in over 30 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these 2 unverified accounts as of today. Thank you
Product: Credit reporting or other personal consumer reports

Dispute of Unauthorized Account on Credit Report I am writing to dispute the following information in my credit file. The account listed below does not belong to me, and I have no knowledge of this account : Creditor : XXXX XXXX XXXX Account Number : XXXX Original Creditor : XXXX  Amount {$110.00} I am requesting that the item be fully investigated and, that it be removed from my credit report as soon as possible.
Product: Credit card or prepaid card

I have previous filed a complaint against XXXX XXXX- I had insurance on all of my store credit cards with this bank. I had to used the protection plus insurance on my credit cards due to being sick. This company cancelled or terminated my protection plus insurance and accused me of fraud. This is totally unfair practice on their behalf. I had file an insurance claim due to XXXX, my doctor , Dr XXXX was terminated during the time I had an active insurance claim with this protection plus program, and all of this doctors patients was sent or placed with other physicians in the area. I was assigned to Dr XXXX in XXXX, Arkansas. I explained to my new physician that I had an open claim with XXXX XXXX/ XXXX XXXX XXXX and needed her to fill out the necessary paperwork to get my claim processed. Dr XXXX had a copy of most of my Medical records from Dr XXXX and filled out necessary forms for card security. At that time I was accused of fraudulent claim. And I was terminated from the program. As my medical condition became more advanced I contacted XXXX XXXX to find out what options I had on reducing my monthly payments. XXXX XXXX closed most of my store cards and reduced the credit limit on all of the other store cards that I hold from their bank. The customer service representative from XXXX XXXX, never told me a date that my payment would be due on. Ive contacted XXXX XXXX numerous of times to find out my due date on credit card payments and the customer service representative gave me several dates to pay my cards on. I am totally confused. XXXX XXXX   retaliated on me because I file a previous complaint on them and now ever month they are sending in to credit bureaus that I am 30 days late, this is totally wrong and they should be sued. XXXX XXXX refused to send me out a statement of my due dates. They have blocked my on-line access and telephone so I cant pay my bill. I have never been late with this company since I had become a customer until the customer service decided to give me false information on payment dates. After XXXX XXXX found out I had XXXX, I was terminated from XXXX XXXX and they are reporting my payments late to credit bureaus every month. XXXX XXXX also reduced the credit limits on my credit cards because my credit score dropped due to XXXX XXXX reported false information saying my credit card payments were late.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 U.S. DEPARTMENT OF EDUCATION XXXX, XXXX, has violated 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

I have a secured credit card with XXXX XXXX by XXXX XXXX, I have had this account for about XXXX months now they continue to report my credit limit as XXXX but show my balance every month which is affecting my utilization causes my credit score to suffer making me ineligible for better rates and other cards. They also don't provide regular consistent updates to the credit agencies. I have made several attempts to get them to correct this with no avail.
Product: Debt collection

LOCKHART MORRIS & MONTGOMERY has an account on my credit that is not mine
Product: Debt collection

They continually call me when a payment is a day or XXXX past the payment date. They never send me statements, so I am not updated continuously on my payment due dates. I missed a payment by a few days last time and they called me continually throughout the day and left voicemails while I was busy at work. They announce it as debt collection when they call and not at the company I have the credit card through which is confusing and misleading. Likewise they have begun to charge me interest when it says I am interest free until XXXX, which is a whole separate issue. The people calling record every conversation and have heard me state that I do not receive statements in the mail or electronically via email, so my due dates are continuously a problem.
Product: Credit reporting or other personal consumer reports

Under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact exists15 U.S. Code 1681 ( s ) -2 states that any payments during covid-19 are required to be deferred or forgiven.15 U.S. code 1681 ( 4 ) states i have the right to privacy. I consider my payment history to be private information and must be deleted from my credit report.15 U.S. Code 1681 ( a ) states any transactions between you and the creditor are required to be excluded from your credit report.
Product: Debt collection

All XXXX credit reporting agencies have different information. These are inconsistent. Not to mention, this account has been closed.
Product: Credit card

XX/XX/XXXX2015XXXX XXXX XXXX XXXX XXXX XXXX VA XXXXRe : Unauthorized Credit InquiryDear Creditor, I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from XXXX credit files because it is making it very difficult for me to acquire credit. 

Send us written authorization that gave you access to our credit files. 

SS # XXXX XXXX XXXX # XXXX XXXX XXXX
Product: Debt collection

I sent Portfolio Recovery Associates a debt validation letter on X/XX/2017 for two accounts they report for me. Their response was to send me 'validation ' dated X/XX/2017 that is not the same amount owed that is showing on all three of my credit reports for both companies. The date opened in their validation is also not the date listed on the credit reports. The account type is also different on each report, and they claim to be a 'factoring company ' on one for both accounts. They are reporting monthly as if they are a lender, and have varying 'past due ' amounts on various reports. In all, for both of these accounts Portfolio Recovery Associates have failed to validate the debt as correct.
Product: Credit card or prepaid card

I contacted Target RedCard services on XX/XX/XXXX due to my account being past due. The agent that I spoke with offered me an arrangement to avoid being 30 days late and also bringing my one payment current. I agreed at the time because I was unsure of my circumstances. I called back on XX/XX/XXXX to cancel the plan and was told that I could not be taken off of this payment plan until I paid the balance off. This was never told to me and had it been I would have never agreed to this plan. I spoke to a supervisor by the name of XXXX, who continued to interrupt me, and finally after being frustrated I just hung up. I also received an email about the terms and conditions and nowhere in it states that I must remain on this payment plan for 12 months and not have use of the card. This is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a claim to remove accts that i found on my report as i just recently started to check so that i can correct my credit and by land. I found several acct that are not mine that i have had no knowledge of. In searching i discovered that the accts were began while my mother and her boyfriend at the time lived with me. I believe that XXXX XXXX who is currently in XXXX XXXX XXXX for XXXX  and XXXX  opened these acct while he had access to my information like SS number and other personal information 's while they lived with me. I have attempted to contact and just get that " acct are valad '' but nothing stating how they were validated. Im looking for information as too how were validated. I mean that is my address that is my information but I did not open these accts to something called XXXX or a XXXX XXXX acct. they had access to but the right information i did not have knowledge of these accts even existed untill i started checking my credit. I never received and product or bills to these accts I supposedly opened. which makes sence since the people who had access to my information lived in my house and probably intercepted all of it. this is theft and I just want to know how these accts are getting validated and proved that they are my just cuz my name is attached to them. I just want answers and explained process of how they are validated. cuz truthfully i have all my ex husbands information and how would you know if it was him or me since we still live in the same house. You cant and it is not right to not listen to me and just expect that these are mine when they are not. It is not right to not take my information and stick me with a bill that is not mine just cuz someone had access to my information such as family or roommate. And the time frame of these bills were when they lived with me. No there was no charges because i recently just found out and he is already in XXXX. However i am NOT going to take the responsibility of the the XXXX XXXX or XXXX  acct even if i have to contact an attorney
Product: Student loan

Reliant capital solutions they are attempting to collect a debt and say Im in delinquent I made a payment then went to school and checked my financial aid.gov and they are not my lenders or even my loans are current they have the exact info but its not right I even made a payment plan before I knew this was a scam
Product: Credit reporting or other personal consumer reports

cfpb, XXXX, Transunion, and XXXX are not to share and must remove XXXX Account no . XXXX, soft and hard inquiries, any information of debt, any student loan information, and previous address information pertaining to XXXX XXXX XXXX " ... privileged and confidential ... '' information pursuance to 5 U.S. Code 552 - ( a ) agency shall make available to the public information as follows : ( b ) This section does not apply to matters that are ( 4 ) commercial or information obtained from a person and privileged or confidential ". It is a crime to violate 5 U.S. 552 ( b ) ( 4 ). It is required that the aforementioned credit bureaus remove the aforementioned information 5 U.S. 552 require, as follows : " Any reasonably segregable portion of a record shall be provided to any person requesting such record after deletion of the portions which are exempt under this subsection. The amount of information deleted, and the exemption under which the deletion is made, shall be indicated on the released portion of the record, unless including that indication would harm an interest protected by the exemption in this subsection under which the deletion is made. If technically feasible, the amount of the information deleted, and the exemption under which the deletion is made, shall be indicated at the place in the record where such deletion is made. ". Consumer respectfully ask that the aforementioned credit bureaus do not share the aforementioned information because it's 5 U.S. 552 violation. 

Respectively submitted, XXXX XXXX XX/XX/
Product: Mortgage

Pennymac USA administers my VA mortgage for my property in Wisconsin. As the managers of my mortgage in Wisconsin, they agree to to follow my Wisconsin property tax election that " Pennymac will pay the property taxes directly to the tax collector by XX/XX/XXXX. '' On XX/XX/XXXX, Pennymac reported my " property tax payment '' in the amount of {$5800.00}. However, this amount was NOT paid to the tax collector. Instead, they authorized XXXX XXXX, a thrid-party company, to make the payment on their behalf to the XXXX XXXX XXXX property tax collector XXXX Unfortunately, XXXX XXXX did not issue the check until XX/XX/XXXX, which was not received until XX/XX/XXXX. Because of this error, my XXXX XXXX XXXX XXXX XXXX  could not be issued for this year, but will have to wait until the following tax year. Pennymac refuses to give me information to Contact XXXX XXXX or provide and explanation for why my taxes were NOT paid according to my election by the XX/XX/XXXX deadline. They claim the payment was made on XX/XX/XXXX because that's when the funds were taken from my Escrow. Nevertheless, Pennymac did not pay the tax collector directly, they paid XXXX XXXX to do so, and that company failed to do some on time. Who bears the responsibility for this failure to meet the election deadline, and does Pennymac have a contractual obligation to pay the tax collector directly without using a third party? Moreover, can pennymac falsely list on my mortgage statement and 1098 that my taxes were paid in XXXX, when the county rightfully observes that it was not paid until XXXX? Because of their misrepresentation of their process for paying taxes and honoring my election, I am out {$5800.00} plus interest for an entire year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from XXXX regarding identity theft - a new credit card was opened in my name. I was able to address that issue, and get the card shut down. XXXX recommended I place a Fraud Alert at each of the three credit reporting agencies. My main problem was with Transunion. The website is geared to selling me a subscription and involves multiple Transunion identities - I'm was not sure who is the real Transunion and who was their paid subscription service. I tried to log in, but each of their services had a different login and I kept getting blocked. During my 4 phone calls to Transunion, I was given 3 different Transunion phone numbers and two temporary passwords for logins. 
I spent at least two hours trying to confirm that the fraud alert had been placed and was unable to download my credit report - I was only able to view it in pieces. When I tried again to look at the report, the charge would have been {$11.00}, since I'm only allowed one free report per year. 
The website appears to be intentionally confusing and misleading and doesn't adequately provide information as to who you are dealing with - Transunion or a subscription service that I don't want.
Product: Credit card

Formal Complaint Regarding Unauthorized Payment and Overdraft Fee Reimbursement Request Dear Best Egg Customer Service, I am writing to bring to your attention a concerning issue regarding a payment that was processed online by Best Egg on XX/XX/year>, in the amount of {$16.00}. This payment was scheduled to be pulled from my account on XX/XX/year>. 

On XX/XX/year>, at XXXX pm, I contacted Best Egg to cancel the payment. The representative I spoke with assured me that the payment had been successfully cancelled. Despite this assurance, Best Egg proceeded to process the payment on my bank account on XX/XX/year>. 

As a result of this unauthorized payment, my account incurred an overdraft, leading to a {$50.00} overdraft fee being charged by my bank. This error on Best Egg 's part has caused me financial distress and inconvenience. 

I am formally requesting that Best Egg reimburse me for the {$50.00} overdraft fee that I was charged due to the erroneous processing of the payment that I had specifically requested to cancel. 

I urge Best Egg to investigate this matter thoroughly, rectify the error, and provide me with a prompt resolution. I kindly request confirmation of receipt of this complaint and a timeline for when I can expect a response regarding the reimbursement of the overdraft fee. 

Thank you for your attention to this urgent matter. 

Sincerely,
Product: Debt collection

I looked on my credit report and noticed that I had a debt of {$2800.00} a debt that I never had any idea I owed the company that put this on my credit report has never written me nor called me. This information is incorrect the last letter I got was a bill for {$32.00} so now I have another bill that I have never received the company closed down and I have not heard from them since. I am disputing this bill for I have never received any verification other than {$32.00} I can not pay a bill if I have never received it I request for this account to go back to the original creditor and to reverse this charge as debt created with no notification to pay it how can anyone pay something when I never received the bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account  XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXXXXXX # XXXX Has violated 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

Information furnished by Early Warning Systems from my XXXX XXXX XXXX Account is a violation to my rights protected by the FCRA and Privacy Act of 1974. Due to the fact they have took it upon themselves to share my private information without my consent in written format requesting for this furnishing to happen ( I opened an account with them in 2017 ). Under 15 USC 1681b Section 604 ( 2 ), and 5 USC 552 ( b ) Privacy Act of 1974, the conditions for disclosure is, no agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31. Section 3711 ( e ) of title 31 States ( 1 ) When trying to collect a claim of the Government under a law except the Internal Revenue Code of 1986 ( 26 U.S.C. 1 et seq. ), the head of an executive, judicial, or legislative agency shall disclose to a consumer reporting agency information from a system of records that a person is responsible for a claim if ( E ) the head of the agency has established procedures to ( iii ) get satisfactory assurances from each consumer reporting agency that the agency is complying with all laws of the United States related to providing consumer credit information ; and All in all this must be resolved in good faith.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Reporting on XXXX Account Dear CFPB, I am submitting this formal complaint regarding inaccurate late payments reported on my credit file maintained by TransUnion, XXXX, and XXXX for the XXXX account. I believe these late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint Inaccurate Reporting : The late payment for XX/XX/year> reported by XXXX is inaccurate. I have consistently made payments on time, as I have been enrolled in autopay for all my accounts. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The reporting of these late payments misrepresents my creditworthiness and violates my rights under 15 USC 1681s-2 ( a ), which mandates accurate reporting by furnishers of credit information. 
Potential Violation of the Fair Debt Collections Practices Act ( FDCPA ) : The false reporting of late payments may also violate the FDCPA, which prohibits misrepresentation of account status.

Truth in Lending Act ( TILA ) : The inaccuracies in my credit file appear to be in violation of TILA, which mandates accurate credit information reporting.

Furthermore, the FCRA ( 15 USC 1681i and 1681s-2 ) requires credit reporting agencies and furnishers of information to correct inaccuracies promptly. Under FCRA sections 616 and 617 ( 15 USC 1681n and 1681o ), noncompliance subjects parties to civil liability for damages, including attorneys fees and punitive damages. 
Evidence of the Error The attached credit reports from TransUnion, XXXX, and XXXX demonstrate conflicting and inaccurate reporting for the XXXX account : XXXX : Reports a XXXX late payment for XX/XX/year>, which is incorrect and unsupported by any payment records. 
TransUnion and XXXX : While these bureaus do not list a XXXX late payment explicitly, their payment status fields incorrectly indicate " 30 days late, '' which is inconsistent with my actual payment history. 
These discrepancies across all three credit bureaus misrepresent my account status and payment reliability. As I am enrolled in autopay for this account and have consistently made timely payments, these errors are unfounded and detrimental to my creditworthiness. 
Requested Resolution I request that the CFPB investigate this matter and instruct TransUnion, XXXX, and XXXX to remove the inaccurate late payments from my credit report. I ask that my credit report be updated to reflect my accurate payment history of 100 % on-time payments. 

Please confirm the resolution of this matter in writing within 30 days. If the issue is not addressed, I may pursue further action to protect my rights as a consumer. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX