23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX address and inquiries misleading and other accounts sold to third party 's
Product: Debt collection

Convergent Outsourcing of XXXX XXXX XXXX XXXX XXXX, WA XXXX has added a debt to my credit file that was unaware of. I was never given the right to dispute this debt before it was added to my credit file and the debt does not belong to me. I have never had or applied for this account in or around XX/XX/2017. Convergent is listed as collecting a debt for the creditor XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a legal right to dispute anything on my credit report that was not authorized by me.. 
The following account are mines and are reporting in a negative way on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX -U.S. DEPARTMENT OF EDUCATION XXXX XXXX -U.S. DEPARTMENT OF EDUCATION # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Debt collector has called me on behalf of speedy cash also sent emails stating they were going to sue me and that I could do jail time etc also has threatened to tell my job and get me fired would not make any arrangements with me and doesnt even have correct amount I owe happened XX/XX/2019 2019
Product: Credit reporting or other personal consumer reports

I have collections on my credit report that I did not authorize without my consent. Please remove/clear off my credit report asap.
Product: Money transfer, virtual currency, or money service

From the last week of XX/XX/2024 to the second week of XXXX, I tried to send money through Cashapp, but it kept telling me I was unable to do so. I had eventually closed that account and opened a new account, and got the same message. At this point I was not sure if the system was hacked or what was going on, the three people I talked to suggested I pen a new account, and I said no.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) Equifax shall block the reporting of 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX  XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}.
Product: Debt collection

hunter warfield has contacted my wife 's parents multiple times as well as my brothers mother in law try to get in touch with me, after we contacted them and gave them updated information ( i.e. address, telephone, and email ) we have requested a detailed bill explaining why i have an outstanding balance, and have never received it. last time i talked to the guy 1. he was a XXXX and questioned me as to why i needed a bill, and 2. i told him we would n't be paying anything until we got the detailed bill.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I mailed a dispute letter to Equifax via XXXX certified mail tracking # XXXX, requesting an investigation into inaccurate items appearing on my credit report. In addition, I disputed incorrect personal information listed in my credit file. To aid in verifying my identity, I included a copy of my photo ID, social security card, and a recent utility bill with my current address. 
According to XXXX tracking, the letter was delivered to Equifax on XX/XX/year>. Despite my detailed and valid request, Equifax has failed to provide any investigation result. It has now been more than 30 days since my submission, and no communication or resolution has been provided. 
Under the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 
XXXX inaction and failure to respond to my dispute appear to be a direct violation of this requirement and deny me my consumer rights. 
I am including a copy of my dispute letter sent to Equifax and XXXX certified mail proof of delivery as evidence to support my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account in 2003, checking at Suntrust, and they automatically added an overdraft protection line of credit. It was set up as auto-draft for repayment. They took out {$10.00} per month if it had been used to cover an overdraft. When I found this on the report, about a year ago, I went to the bank. It took them an hour to even find it since they don't do Overdraft LOC anymore and it was archived in their system. However, once I started trying to get it corrected or even removed, they bowed their back and said it was being reported correctly after almost 7 years. This bank in particular seems to take pride in telling customers NO. No one that I ever worked with is even there and no one can confirm or deny my allegations of auto-draft for repayment. This is hurting my credit and should be removed after 7 years in XXXX but it should have never been on the report. No one there is empowered to use common sense to evaluate my request but only say it is reported correctly. IT IS NOT. They have total control and are not going to be told they are wrong.
Product: Credit reporting or other personal consumer reports

From XX/XX/year> to XX/XX/scrub>XXXX XXXX I had unauthorized charges show up on my account statements. I called and disputed the unauthorized charges. PayPal insisted that they would investigate those charges and that I would receive a provisional credit. Over a month later, the charges were still on my account and they were collecting interest. I had called their support team over 3 times about the dispute and it wasnt handled any of those times. PayPal did not remove the charges from my account until I filed a claim with the CFPB. However, they only removed some of the unauthorized charges and one still remains on my account. The charge was made on XXXX XXXX XXXXXX/XX/year> for {$21.00} at XXXXXXXX XXXX XXXXWALMART COM and was not a purchase I made or authorized. My card was compromised and PayPals dispute resolution team didnt properly remove all the false charges. I have contacted them over 3 more times about the remaining fraudulent charge and they keep telling me they will investigate it. However, the charge remains on my account and I have received no confirmation from PayPal that they are investigating my case! Due to them not removing the charge and not properly investigating the case. This charge has now accumulated to {$120.00} with late fees and interest charges! Not only did they fail to remove this fraudulent charge from my account. They reported my account as delinquent and past due to the credit bureaus despite the fact I never made the charge and have reported it! I shouldnt have to pay for charges I didnt make and I shouldnt have a negatively impacted credit score due to their failure to investigate the claim that I have called and filed with them multiple times! I want the charge removed AND my credit score/report corrected!
Product: Student loan

I see multiple 120 days late marks which is a clear violation of my right under the FCRA. he company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Mortgage

I was off work for several months due to a medical issue causing all of my bills to be past due including my mortgage. When i called to make a payment to attempt to reduce the delinquency they refused to take a payment unless i scheduled 2 payments since i was past due. I scheduled the 2 payments in XX/XX/XXXX letting my utilities go which lead to them being turned off. i need to make the full payment on the utility to get the service back on leading to additional missed mortgage payments. I submitted a payment in XX/XX/XXXX and again in XX/XX/XXXX via XXXX. They rejected and returned my XX/XX/XXXX payment have have refused to accept my payment. I need to move my missed payments to the back of the loan and i have submitted a financial statement to them hoping they will work with me. I am back to work and can make payments going forward- but I can not make up the past due amount. I can also schedule monthly or bi-weekly payments if they will work with me -I just can not submit the amount they are asking that is past due. I do n't want to lose my home and need help working out a repayment plan with them.
Product: Mortgage

Hello, I was seeking a company to refinance my conventional home loan into a VA loan.. I have run into several issues culminating into me asking for a supervisor 's contact 6 times and not being provided that information. 



Throughout this process, 1. I informed the lender that we were looking to refinance our conventional loan into a VA loan to use our benefit and reduce our monthly mortgage payment. I informed him that the reason we were not refinancing with our current lender is because they said they'd prefer that we waited 6 months before refinancing and we wanted to use our VA loan benefit sooner. The Amerisave lender, XXXX, said it would not be a problem, so we proceeded with the refinance application. 

2. The incorrect borrower was placed first despite me informing the loan officer that I should not be on the VA loan documents. He said, " don't worry, we'll fix it later. '' After that delay, 3. He realized he processed the incorrect loan type despite me explaining upfront that we were going from a conventional loan to a VA loan. He said it wasn't a problem.

4. Once the co
rrect loan with correct borrower was complete, he then realized that the rate I was initially offered was not close to what was currently offered. He said not to worry because we'll float and he'll get us a better rate before locking it in.

5. Now, he tells us the process is delayed to XXXX because we need to wait the 6 months that I originally told him we did not want to wait. 



In order to address these issues, I asked repeatedly for a supervisor 's contact and was ignored. I called the customer service number on the Amerisave website, was connected with an agent who said they would put me in contact with XXXX 's supervisor. He asked if I wanted XXXX to call me back. I said no. XXXX then called me stating that the agent informed him that I was calling asking for his supervisor. He would not provide me the contact, so I requested to cancel the loan with the company. He then said, " ok '' and hung up. I emailed confirmation that I would like to cancel. He then called twice and texted me. I asked via text again for a supervisor contact and he would not provide it. 



It seems the company made whatever promise they needed to get us to apply for the refinance, then the rate and ability to refinance sooner were not delivered after a 2 month process.
Product: Vehicle loan or lease

I leased a XXXX XXXX XXXX through Chase Auto Finance. I was nearing the end of my lease and decided to purchase the vehicle. Through hours and hours of hold music and unhelpful representatives I was finally given my pay off amount of XXXX and the date of XX/XX/XXXX to submit my payment. I XXXXXXXX XXXX  my check for that amount along with all the required information ( Vin #, Odometer Statement, etc. ). I received a confirmation email from the shipping facility I used that the check was received on XX/XX/XXXX. 

I heard nothing for weeks and noticed the amount had not been withdrawn from my bank account. I struggled through the sludgy muck of another all day hold affair with their so called " Customer support ' number and when I finally reached a representative they assured me that they had the check and it would be deposited on or before XX/XX/XXXX. He went on to say that it would be back dated from the day it was received and I would not be penalized with fees or a credit inquiry. 

Today, XX/XX/XXXX, I received a letter from Chase Auto stating I was delinquent on my account and that my car could be repossessed after ten days of the date of the letter which was XX/XX/XXXX. I am beyond upset, flabbergasted, and bewildered that I am being penalized and threatened after following the rules dutifully. I work XXXX hour days and am now once again battling their customer service for answer with the auto lease grim reeper brandishing it's sickle over my life. I am desperate for help and pray that this situation can be deescalated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Plaza Services LLC Reference Number: XXXX 

The Fair Credit Reporting Act (FCRA, Title 15 U.S.C.  1681 et. seq.) prohibits anyone to view a consumer report absent a 'permissible purpose' (see specifically  1681s-3(b)).

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 cannot furnish a account without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have examined my finances and developed a careful budget that includes my payment with the creditors I asked for a loan. I want to maintain a good relationship and a good credit score that's why I keep track of my bills. But seeing this is unfair.. I am requesting that you step up and remove the late payments reported on the accounts because it is completely INACCURATE AND INCOMPLETE in reporting.. XXXX  XXXX XXXX which is reported 30 and 60 days late on XXXX and XXXX consecutively..Same goes with XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX is reporting late 30,60,90 days late XXXX, XXXX XXXX, consecutively
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX**** Listed below are the Inquiries that are being challenged XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Experian XXXX Account XXXX : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account - Bureau Code : Individual Individual Individual Account Status : Paid Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$210.00} {$210.00} {$100.00} Credit Limit : {$100.00} {$100.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XXXX XXXX XXXX  Comments : Canceled by credit grantor Account has been closed due to inactivity. 
Closed or paid account/zero balance Accounts closed by credit grantor Date Last Active : XXXX XXXX XXXX  Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN XXXX BUSINESS DAYS OF FRAUD RECEIPT DATE
Product: Mortgage

i was called from my morgatage company. The person said his name is XXXX XXXX. He provided me with a temporary loan number XXXX ... and said eventually i would recieve a new one. 
i have paid {$4500.00} to this guy .. once i called the company back and i never got another message from them. 
i have the address to where i sent all of the payments. 
I also have the XXXX number where i was called from.. 
i also have all the money order reciepts. 

the phone number that called me is XXXX XXXX XXXX the name and address of where i sent the payments are... 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX
Product: Debt collection

NCAC contacted me for the first time on XX/XX/21 via email advising that they were attempting to create a debt. This letter did not disclose that I had the right to dispute this debt. Then I received a letter in the mail from NCAC dated XX/XX/21 that stated that I did not respond in a timely manner and that they assume the debt was valid. There was only a 5 day period between the initial correspondence and the 2nd letter stating that I didn't respond in time, but pursuant to 15 usc 1692g ( a ) ( 3 ) I have 30 days to respond.

NCAC also sent the physical letter with their logo on the envelope and the letterhead. Pursuant to 15 usc 1692f ( 8 ) this is a violation to my right to privacy. NCAC also threatened that if I do not pay this debt that it would affect my credit report, which violates 15 usc 1692d ( 1 ). 
I have sent an affidavit of truth with exhibits proving the violations, a cease and desist, debt validation letter and an invoice, certified mail with green return receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian leaked my SSN in XXXX so I put a freeze on all of my credit accounts. I need to temporarily unfreeze my credit with Experian in order to transfer my cellphone service to XXXX ( who uses Experian exclusively. ) Despite repeated attempts and assurances from Experian that my freeze has been temporarily lifted, they continue to tell XXXX my freeze is still in place. We are at an impass. Experian implies that they are having " system problems '', but those problems have been going on for 5 days ( since Friday XX/XX/XXXX ) and show no signs of getting better. I am dead in the water until they fix things. XXXX won't proceed without a credit report from Experian, and Expeian won't issue one. Experian customer service is horrible, with overseas agents who are nearly impossible to understand, and long telephone wait times. I have so far spent 5 to 6 hours on the phone trying to resolve this matter unsuccessfully. If I could, I'd never use them again, but I have no choice in the matter. That is the problem with credit reporting companies : Consumers are nearly powerless to affect their sloppy business practices. Any help is appreciated.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX 15 US Code 1681A. Definition rules of construction paragraph 2 titled exclusions state that transactions do not report to consumer report late payments are forms of transactions.

These late payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX Are actually a violation of the fair credit reporting act. Which means XXXX $ minimum per late payment
Product: Credit card or prepaid card

We had fraudulent activity on our account. I contacted Bank of America and they would not credit the charge back or do any investigation. The did provide the sales receipt & the charge was made at XXXX in XXXX TN. The receipt had the phone # of the store & I spoke with the manager. She agreed that it appeared to be fraud by an employee and the amount was credited back. I then contacted Bank of America on XX/XX/XXXX @ XXXX we spoke with XXXX and closed the account. We got a notice on XX/XX/XXXX on regarding changing the terms of our credit, the 4 page notification did not contain a phone # you could and why would you receive a notice on an account that should not exist. Luckily I kept the records and was able to go back and retrieve my account # and a phone #. When I called I was on hold for 16 minutes and they asked for the 4 digit security # on the back of my card. I explained, when you close an account you cut the card up. They then said they had to speak with the primary card holder, Iadvised my husband was out of the country ; they said they could not do anything unless they spoke with him. I told them he spoke with them before on XX/XX/XXXXand they did not honor our request. He will call  AGAIN when he gets back to USA. In the meantime I have lost about {$200.00} in wages by tracking the  dispute and trying to get the account closed.
Product: Credit reporting or other personal consumer reports

I checked my credit report but was disappointed again because I don't know why this inaccurate account keeps on showing up on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 HARRIS & HARRIS, LTD Agency number XXXX has placed a debt on my credit file fraudulently and it is negatively affecting my credit. I have written this collection agency numerous times asking for VALIDATION of this debt with no proper response to my request under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }. The amount that is said to be owed is  {$150.00}. I have no knowledge of this debt or have never entered into any agreements with this company. I would like for this tradeline to be removed from my credit file as soon as possible. The original creditor number that is listed is XXXX. 
This erroneous and illegal tradeline is damaging my credit greatly! Please assist.
Product: Student loan

I enrolled then 2 weeks in I decided to drop the classes I was taking and withdraw. I was told by XXXX University that since I didn't complete the course I was under no obligation to repay the loan. I also was lead to believe I was getting a federal grant that I would not have to repay. I stressed this to the financial aid office due to me being on XXXX and knowing I wouldn't be able to pay back any type of loan. I was told I wouldn't have to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is listing my FHA backed mortgage with XXXX XXXX under " Accounts with Adverse Information '' but it was current when it went into forbearance under the CARES Act.