23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I initiated communication between my self and Convergent Outsourcing on or around XX/XX/XXXX I do not have the letter but I will attach the letter I received in response which is labeled " FIRST RESPONCE '' which is dated XX/XX/XXXX, In their response letter they claim I owe {$1100.00} yet the bill they sent me states I owe {$1300.00}. 

I then responded with another letter sent on or around XX/XX/XXXX which I have attached labeled " 2nd LETTER '', where you will read my stance on them trying to collect on a debt that they can not nor will not validate properly. 

I then received a second response around XX/XX/XXXX which is identical to their first response which I have attached labeled " 2nd RESPONSE ''. In this letter they state I owe {$1100.00} yet they have attached a bill that states I owe {$1300.00}. 

I sent a 3rd letter on our around XXXX which is labeled 3rd LETTER in which I explained the amount owed vs the amount they claim is owed is incorrect, and a few other questions they refused to acknowledge or answer from the first two letters.

I have not received any response after my 3rd letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX )
Product: Mortgage

Hi I found some new information regarding my home and foreclosure process. In the XXXX County Recorders Office I noticed a RESCISSION OF NOTICE OF DEFAULT AND ELECTION TO SELL UNDER DEED OF TRUST recorded on XX/XX/XXXX Book XXXX Page XXXX. I dont know how Mr. is trying to proceed with the sale or even posting a Trustees Sale when I have not yet received a Notice of Default. How is it that they recorded a Rescission of Notice of Default but put the property on sale without Notice of Default? 
I have some concerns with servicer trying to foreclose on my home. I have sale scheduled for XX/XX/XXXX after checking some online auction sites they say my sale is active foreclosure. Im worried that Mr. Cooper my servicer will proceed with my foreclosure sale even though I have mailed out a complete loan modification packet to them. Called them and they said im under loan modification review. I know that if they do proceed with the sale they will be in violation of the California Homeowners Bill of Rights Act. 
I see they dont want to work with me and offer me absurd and unrealistic options which I can not afford and will force me to pay even more than I used to in the beginning. I can not do this. Im trying to get a loan modification, Im trying to keep my home, Im trying g to work with Mr. Cooper and the investors, Im trying to do and give them everything needed to succeed and seems like all they want to do is get rid of me and sell my home, take it away and move my family out. I want to pay my mortgage and be a good borrower but the recession has brought me to a point with my loan that fees alone have accumulated over the years with different servicers that its hard to keep up. Please hear me
Product: Credit reporting or other personal consumer reports

list of accounts below has violated my federally protected consumer rights to privacy and confidentiality. I looked at my Experian, eQUIFAX AND tRANSUNION credit report and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency 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 according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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. and according to 15 USC 1681s-2 they are supposed to 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. CORRECTION TO MY REPORT DELETE ALL UNAUTHORIZED FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

My student loans are managed by Navient. My payment was due on XX/XX/XXXX. Because my account was set up on Auto Payment, I removed the Auto Payment information on XX/XX/XXXX to prevent the payment from being debited from my Checking account. I then called on XXXX to request and was approved for a forbearance. Despite all of this, Navient still took out the money from my checking account. 

I am filing a complaint that Navient made unauthorized charges to my checking account despite my actions to stop the payments. I have to have my bank do an investigation so I can get my funds returned to me, and now I do n't have enough money to pay my mortgage tomorrow ....
Product: Student loan

My husband had a parent plus loan in his name that we took out for our oldest daughter. We began paying it back and then we filed a Chapter XXXX bankruptsy in XX/XX/XXXX and paid off the chapter XXXX in XX/XX/XXXX and it was discharged. The trustee handling our bankruptsy paid off our loan to the Dept. of Education to an address in XXXX Texas. But 7 months later we received a bill stating we still owed on the loan. I contacted our lawyer and he forwarded to us all the payments the trustee made to the Dept of Ed. I then sent it on to Navient. They took several days and sent back what they had. The records do n't match. They do n't have listed even half the payments made so I sent our records again. They still have not fixed this. Our loan was for XXXX and at the time the trustee took over we owed {$3800.00} and she paid back to the Dept. of Education over {$4900.00} -- - {$3800.00} in principal and over {$1000.00} in interest.. this does not count what I already paid in principal and interest before she took over. How can we resolve this??? We have since been able to have this loan put on hold because my husband was approved for XXXX but in reality we do n't owe anything and would actually be entitled to a refund of all the payments we made on this loan after he became XXXX. We need help.
Product: Debt collection

This company violated my rights under the Fair Debt Collection Practices Act ( FDCPA- Prohibits collectors from reporting false or embellished information on a consumers credit report ) and Fair Credit Reporting act FCRA ... the did not contact me in reference to the purchase of a bogus debt... 

Thrn used The account that they referred to as the third party ( XXXX ) which was removed earlier this year when they failed to provided the proof of debt required under protest. 

Said debt was charged off the punched by LVNV Funding LLC... with out contacting me and providing said proof of debt... with original signatures as required... if so Please have them provide proof ( mail tracking numbers or registered mail receipts ) .. becuase I have no record of receiving any notice! 
Infact had they reviewed my reports they would have seen that I have a current credit card account with XXXX 

Please remove said derogatories from my credit report with all three buearus immediately!
Product: Payday loan, title loan, or personal loan

I own two Wells Fargo lines of credit. In XX/XX/XXXX, Wells Fargo sent notices to customers of this product stating it would close zero balance accounts unless customers drew funds from their lines of credit by the end of XXXX. In order to keep my lines of credit open, I drew nominal amounts ( {$50.00} and {$65.00} respectively ) from these accounts. Now, I used to have an automatic payment set up for these accounts. Perhaps, due to dormancy, Wells Fargo deleted those automatic payment schedule. As a result, I received notices in XXXX stating I had late payments and fees of {$26.00} on each accounts. I immediately called Wells Fargo. After countless redirects, I spoke to someone who understood the issue supposedly and agreed to remove all late fees from my accounts. However, they failed to follow through and only removed one fee from account A. I paid the underlying balances on both accounts on XX/XX/XXXX, and continued to follow up with Wells Fargo regarding the promised removal of the late fees. 

During months of disputing these fees, Wells Fargo reiterated their mistake multiple times and their agreement to remove them. On XX/XX/XXXX, they finally removed the last fee from account A. However, they somehow failed to do the same on account B again! I emailed them immediately on XX/XX/XXXX yet again, and they apologized for the oversight, but it took until XX/XX/XXXX to remove the fee from the account B. 

In the meantime, despite the ongoing dispute over the fees that began in XXXX and my payment of the initial principal that was not in dispute, it appears Wells Fargo had been reporting my non-payment to all credit bureaus at least since XX/XX/XXXX. My score has tanked from XXXX to XXXX solely from their reporting on these two disputed {$26.00} fees. I discovered this issue only today, XX/XX/XXXX, when my credit union stated I was no longer in the preferred category for car loan rates. 

I have complained to Wells Fargo to ask them to reverse their reporting to the credit bureaus, but Im lodging this complaint because I no longer trust them to follow through and feel there needs to be a backstop on their accountability.
Product: Debt collection

During the course of about the past three or so years, my California identification card has been stolen and then was replaced and once again, stolen. Along with that was my wallet containing multiple prepaid cards in my name, my marriage certificate, my birth certificate, and my social security card. Recently I have noticed a major decrease in my credit score due to a collection that was not me. Here are the details for that collection : Original creditor : XXXX XXXX Account name : National Credit Adjust Date opened : XX/XX/year> amount owed : {$130.00}
Product: Credit reporting or other personal consumer reports

I wound like to File a complaint to dispute some inaccurate and unverifiable information from my address characteristic section/personal information. Re Ive filed a dispute experience refuses to investigate instead they keep coming back saying verified. 
I am disputing XXXX XXXX auto finance.
Product: Credit reporting or other personal consumer reports

Hello, Ive recently learned about the CFPB lawsuit against Experian, and I think my situation is connected to the problems theyre being sued for. 
I disputed two charge off accounts on my credit report, first directly with the company and since I never received a response from them ( after 45 days ) I disputed with Experian due to inaccurate reporting. However, my issue was not properly investigated. I received a letter stating that the accounts were " verified '' and requested proof but it was never received. 

This has negatively impacted my credit due to these reporting errors, and Experian 's inability to do a proper investigation. This has hurt my chances of buying a home for myself and daughter as well as get a new car ( which I need since my current one is starting to fail ).
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX, and I am filing a complaint against XXXX, Experian, and XXXX for their failure to remove incorrect information from my credit reports despite my repeated requests. I have sent a total of 8 letters to these credit bureaus requesting the removal of inaccurate information, but they have not taken any action to correct the errors as per my requests.

Despite providing clear documentation and explanations in my letters, XXXX, Experian, and XXXX have neglected their responsibilities under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy of the information on my credit reports. This failure has had a detrimental impact on my creditworthiness and financial standing. 

I demand that XXXX, Experian, and XXXX promptly investigate the inaccuracies on my credit reports and take the necessary steps to correct the information in accordance with the FCRA. Failure to do so will result in further legal action to protect my rights as a consumer.

I urge the relevant authorities to intervene and ensure that these credit bureaus comply with the law and rectify the errors on my credit reports without any further delay. Thank you for your attention to this matter.
Product: Debt collection

This debt is fraudulent. It is due to identity theft. I have no information about this. I have contacted the collection agency located in XXXX, MA via certified letter, informing them that this debt is a result of identity theft. I have also contacted XXXX and XXXX regarding this fraudulent debt. All the information I have on this company was provided by the aforementioned credit reporting agencies. I have not pulled my credit report from XXXX yet. According to XXXX this debt was reported XX/XX/2019 in the amount of {$97.00}. It was written off/closed some time thereafter. I will absolutely not pay this debt. I did not open the account with the original creditor and I most certainly will not pay some collection agency XXXX, MA.
Product: Credit reporting, credit repair services, or other personal consumer reports

We had a written agreement for pay to delete within 30 days. ( See Attached )
Product: Credit card

Where's the DOCUMENT to back your claim that i ordered anything on XXXX.
Product: Debt collection

I am writing to file a formal complaint regarding a collection account labeled XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX. that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXXy. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and XXXX that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Product: Credit reporting or other personal consumer reports

I have been requesting an account to be investigated because it should not be on my consumer report. I have noticed that the complaint was never resolved XXXX this is the compliant ID. I have already provided court document proving my claim and now I am being ignored by the consumer reporting agency. That is totally a violation of the FCRA. I have a right to challenged the inaccurate information furnished on my consumer report and to deny me a fair investigation leads me to believe that XXXX XXXX has never provided adequate proof of their claim. Maximum accuracy is required when furnishing information on a consumer report. I have submitted everything necessary to have this account removed and only XXXX deleted it Transunion and XXXX are still furnishing false information regarding this account. 
XXXX XXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act Newrez-Shellpoint Account # XXXXXXXX XXXX XXXXXXXX, has violated my rights. 

15 USC 1681 Section 602 : States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied credit which prompted me to check my credit report and when I did I noticed that XXXX   had reported 2 different social security numbers on my file and that I had negative accounts on my file as well. This obviously had been the cause for my denial for credit. So I contacted the Credit bureaus that I had noticed the 2 different social security accounts which means that the integrity of my information and put in question the accounts that were opened with this incorrect social security number. More specifically I advised them that the XXXX XXXX account and the associated collections accounts that were on my file were inaccurate and requested that they remove such information from my file. Equifax removed it all and put it all back, on top of that they added the address of one of the collection agencies to my file as it it were my own address. I have request that the addresses be removed but they refuse to comply. As matter of fact, they keep update=ing the items at their will and keep saying that the confirmed that the accounts are mine. How can they confirm this there 2 different social security on my accounts, how can they confirm t his when the address to which the accounts are opened doesn't match my address, how can they confirm this when they are allowing incorrect addresses and incorrect social security accounts to appear on my file? Do the credit bureaus realize the severity of their actions? do they realize that they have done something that is detrimental to my credit file? they must remove these items and correct their own inadequate reporting at once.
Product: Credit card

This complaint is regarding XXXX XXXX XXXX XXXX issues with my account ; auto-payment, returned payment on XX/XX/XXXX, and the closing of my account. 
Auto payment : I received a notice that stated that because my checking account information was incorrect, an " automatic payment '' was returned. This information concerned me because I did not sign up for auto-pay. I called on XX/XX/XXXX and spoke with XXXX regarding my concern about fraudulent activity because I never signed up for this service ; my thought was that someone was trying to get my checking account number. After she reviewed my account with a supervisor, I was told that the issue was resolved, my account had been noted, and that there will be a fraud alert put on my account. A week later I received a letter stating that the " auto-pay '' had been terminated. 
On Wednesday, XX/XX/XXXX, I checked my account online and found that it had been closed due to the returned payment. The customer service representative that I spoke with was very quick to dismiss my concerns, I requested that she transfer me to a supervisor. Supervisor XXXX, who told me that they do not put fraud alerts on accounts XXXX this is also concerning ), was sympathetic but ineffective and referred me to the dispute resolution department. Furthermore, he alerted me to a returned payment on XX/XX/XXXX for {$200.00} and explained that since the {$25.00} payment was returned, my account was closed. 
According to Synchrony's/Chevron 's representatives XXXX I signed up for auto payment on XX/XX/XXXX and yet only XXXX payment posted in XXXX. Again, I never signed up for recurring payments. After my conversation, the charge for {$25.00} on XX/XX/XXXX is no longer showing on my online payment activity. The payment was denied due to incorrect account information, yet the payment that I made posted. 
Returned payment on XX/XX/XXXX : A payment made on XX/XX/XXXX in the amount of {$200.00} cleared my checking account on XX/XX/XXXX ; I attached a copy of the transaction number from my checking account, and requested that they please make the adjustments. Instead, Synchrony's/Chevron sent me copies of XXXX statements and a post dated letter telling me ( for the XXXX time ) that my account had been closed. 
I have requested that a resolution of this matter will allow them to reinstate my account as well as credit my account for the {$200.00} payment on XX/XX/XXXX that has been noted as " returned '', however, I have been told that the matter has been resolved, my account remains closed and it has not been credited the {$200.00}. 
I have warned the creditors that I am filing a complaint and now they are stating that it is a corporate matter and will take yet another 30 days to resolve. In the meantime, this is affecting my credit score. 
Finally, during my last conversation with representative XXXX, I was required to give my full checking account number ; this also concerns me that this sensitive information is required from someone who can not resolve the issue
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized inquiries that are currently listed on my credit report. Despite my previous requests to remove these inquiries, they remain on my report and continue to affect my credit score negatively. 

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 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 XXXXXX/XX/XXXX These inquiries were made without my permission and constitute a violation of the Fair Credit Reporting Act XXXX FCRA ). According to the FCRA, only inquiries that I have explicitly authorized should appear on my credit report. I have never applied for credit or given my consent for these companies to review my credit report.