23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Convergent Outsourcing continues to call my place of employment last call was today XX/XX/XXXX in the AM, calling my personal cell phone multiples times a day, and has sent emails on XX/XX/XXXX and XX/XX/XXXX. I replied to the first email from XX/XX/XXXX on XX/XX/XXXX with the attached letter stating this debt is not mine and I am requesting proof in an itemized bill with my signature that shows the debt is mine. I informed them this is the law, and they are not to contact me until I they provide the documentation requested. In addition to sending via email I mailed a hard copy of the letter on XX/XX/XXXX. 
I have continued to receive calls and emails, but no documentation as requested. Today I filed a complaint on their website submitted through their internal form stating I sent them a letting via mail and email on XX/XX/XXXX requesting no contact until written verification of the debt is provided. They continue to violate the FDCPA guidelines and continue to refuse to provide requested information while harassing me at my place of employment, email, and personal cell phone, I would like the information requested to prove I do not owe this debt and my credit remains free and clear, until that information is provided, I would like Convergent to no longer call my cell phone, place of employment, email me, or reach out other than in writing with the information requested. 

Convergent email me on XXXX and XX/XX/XXXX I responded to Covergents email on XXXX, mailed hard copy of letter on XXXX and responded on XX/XX/XXXX they are not to contact me per my letter until I receive written documentation that is itemized and has my signature. To this date I have not received any documentation. 

Convergent called my place of employment on XX/XX/XXXX Convergent calls my cell phone daily.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts listed below. Also I've attached the letter I sent out a below is the reference number. 

XXXX XXXX XXXX XXXX Account # XXXX According to the FCRA The Term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whim he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate And according to the FRCA 15 USC 1861 everything has to her 100 % Accurate. I have the credit report showing the inaccuracies. 

XXXX XXXX XXXX XXXX Account # XXXX Please reference complaint # XXXX
Product: Checking or savings account

For more than XXXX days I have not received my direct deposit, money that I worked with the sweat of my brow to be able to support my family, pay bills, pay insurance, pay my house, the money is held by Capital One without giving it to its clients. 
With just the explanation of saying a XXXX party is at fault..
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La. XXXX D.O.B. XX/XX/XXXX SSN:XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX, Pa. XXXX I am writing to dispute the information that appears on my credit report, which was recently obtained from your agency. This erroneous information is negatively affecting my creditworthiness and financial well-being. I assert that the reporting of this information may be in violation of several federal laws and statutes. I request that the Consumer Financial Protection Bureau investigate these matters and take appropriate action to rectify the inaccuracies on my credit report. 

I have identified the following issues with the information reported on my credit report : 1. The information reported on my credit report is inaccurate and does not reflect my true financial status.

2. The information reported on my credit report is incomplete and fails to provide a full and accurate picture of my credit history.

3. I have reason to believe that certain information reported on my credit report can not be verified or substantiated by the credit reporting agency. 
I request that the consumer reporting agency conduct a thorough investigation into the disputed information and provide me with a written explanation of the results.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XX/XX/2018 payments were never late and the company confirmed via email. This is on my home depot card.
Product: Prepaid card

XX/XX/XXXX NJ Department of Labor issued payment of {$14000.00} thru XXXX XXXX. Till today I did not received any card or check. I have contact XXXX XXXX and no one know what happen to my money. Please advise. Regards XXXX XXXX
Product: Credit reporting

Experian is not responding to my numerous requests to investigate and remove accounts and inquiriies from my credit report that were opened fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Transunion have just added three " 90 day late '' marks on my credit report for my closed and paid off XXXX credit card. I paid this account off a couple of months ago so I do n't understand why there are new late marks when there is n't even a balance on the account. The account number on my credit report is " XXXX ''. How is this possible? How can I be late on an account that has been reporting as paid for months? I am including a screenshot of a XX/XX/2017 report and another screenshot of a XX/XX/2017 report for comparison. I have highlighted the information that is incorrect.
Product: Mortgage

I have applied for XXXX funds through the State of Indiana. Community Loan Servicing has been provided this knowledge at least 5 times. They are requiring me to make a decision to accept or reject the Modification offer before I have an answer on the XXXX application. They are telling me I will lose their Modification offer if I don't give them an answer. However, based on my research one should not be dependent on the other and even if I do get funding from XXXX, I can and should still be offered the Modification. Community Loan Servicing has been less than compassionate and their communication is horrendous resulting in poor customer. Service
Product: Credit reporting, credit repair services, or other personal consumer reports

I maintain my credit utilization at 10 % or lower and I used my credit for over a year with no increase to my score. I used my credit recently but kept it at 11 % and it dropped my credit score. Also payments on my account for XXXX XXXX  have not fallen off despite the updated payment history. An account that I paid in full still shows paid at less than agreeded although I disputed it. I also requested pay for delete from the lender but it is still appearing on my account.
Product: Debt collection

CMC placed a collection on my credit reports ( XXXX, XXXX, and XXXX ) in XXXX, XXXX. The original creditor is listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX There was no information provided in terms of XXXX. I have not had CC with the original credit since XXXX and it no longer appears on any of my credit reports per XXXX. Even if I did have such an account, the debt would be outside the 7-year reporting window per FCRA. 

In addition, I did not receive any written notice via USPS as required by FCRA and therefore, have not had the opportunity to validate any debt that CMC claims that I owe. The credit reports do not list date of first delinquency or provide any proof as to the amounts owed or that CMC has legal standing to collect on the account listed in the credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report again, I discovered that a new account was erroneous. The Transunion credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account needs to investigate and correct for erroneous reporting in my file and is listed on my credit report XXXX XXXX XXXX XXXX Balance : {$670.00}
Product: Credit reporting, credit repair services, 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. 
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 XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX US SM Bus AdmIn ODA Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX inquired on XX/XX/XXXXXXXX XXXX XXXX inquired on XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX, Experian inquired on XXXX XXXX Experian XXXX identity, Experian XXXX XXXX XXXX on various days, XXXX XXXX XXXXXXXX on XX/XX/XXXX & XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX inquired on XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX inquired on XXXX XXXX & XX/XX/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 an 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: Vehicle loan or lease

THIS ACCOUNT WAS OPENED UNDER IDENTITY THEFT AND DOES NOT BELONGS TO ME.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these ITEMS ( A ). It is not permitted to report these ITEMS as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XX/XX/2023
Product: Credit reporting or other personal consumer reports

The XXXX credit card company placed a late payment on my Trans Union, XXXX and XXXX report. Which has my credit being reported as 30 days late. This company removed the late payment but still reported the card as being late, which is in violation of the Fair Credit Reporting Act. I'm requesting that this item be removed and deleted from my current credit report. As stated by one of their representatives " that the account is in good standing, and it should not have been reported in that manner or time ''. I'm requesting a voice recording of that conversation. It will clear my name and correct the status of which this company is reporting. That has destroyed and damaged my credit status.
Product: Bank account or service

i had filed a debit card dispute regarding a charge of an extra {$250.00} that i was charged from a hotel that i stayed at, they had given me a provisional credit and then a few weeks later sent a letter to me saying the credit was final. A few weeks after that they sent a letter to me that looked a third grader wrote it, stating they were taking the money back and gave a blank date on when the funds were going to be removed. i tried to discuss this with them but only got offshore customer service which was no help. I would like them to honor their word and give the credit back
Product: Mortgage

This complaint is with 5/3 Bank. We applied for mortgage with them and it was such a horrible experience. We started the paper work XX/XX/2020 and we missed our closing date of XX/XX/2020 and two extensions our builder gave us. We wasted 82 days! We were lied to continually. We were told things such as escrowing for landscaping was allowed and that our file was in underwriting time and time again. Along with being lied to the lack of communication and knowledge. We gave them a deadline to answer 6 basic questions and we didn't get a response until XXXX that day ... just to hear them say they are looking into my questions. We had to drop them. We were able to go to another lender with the builders approval. The reason I am submitting this complaint is to forewarn others and to be on record of their doings.
Product: Debt collection

Coast Professional , Inc. is claiming that I owe XXXX XXXX XXXX XXXX College {$10000.00}. 

They have called my work multiple times which is not appropriate. I asked them to validate the debt. All account receivable forms that Coast Professional , Inc. show a balance of {$0.00}. 

Additionally, my student loan balances are owed to XXXX for my attendance of XXXX XXXX XXXX XXXX. 

They have called my personal line multiple times as well as continuously send me mail correspondence.
Product: Debt collection

I have recently obtained a copy of my credit report. Macy department Stores continously are choosing not to respond to me. This company is violating my rights as according to the Fair Debt Collection Practices Act ( FDCPA ). Also this company is in violation according to 15 USC 1692.

15 USC 1692b ( 2 ) saying that I owe this alleged debt is an violation 15 usc 1692b 15usc 1692c ( C ) ( 1 ) ( 2 ) ( 3 ) 15 USC 1692d harassing me harming my reputation and continuously advertising this debt.

15 USC 1692e 15 USC 1692f These are the violations that this company have violated.
Product: Credit card

On XXXX XXXX 2016, Citi Bank closed all my credit cards unexpected and about XXXX thank you points was forfeited. I always pay my credit card pills on time and never miss a single payment. I have paid the hefty annual fees on multiple cards and just lost all benefits I should enjoy upon the account closure.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. This account below has violated my federally protected consumer rights to privacy and confidentiality under XXXX USC 1681. 

This account has violated my rights ; Validate Account XXXX XXXX XXXX XXXX  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: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. The Transunion Credit Bureau is reporting inaccurate information on XXXX XXXX. XXXX FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

( XXXX  XXXX XXXX )
Product: Debt collection

I was approved for a credit card and within a month out the blue closed my account and so they sold my information to a collects agency. Im a victim of identity theft Without prejudice the credit profile of mines is like bad news and Im never XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccuracies related to the balance and payments on my account number XXXX, under the account name XXXX XXXX 
The reported information does not match the actual transactions and contains significant errors. Under 15 U.S.C. 1681e ( b ), credit reports are required to be completely accurate, which is not the case here. 
The previous review was not properly conducted and inaccuracies remain ( Report # XXXX. Dated XX/XX/year>, and CFPB Complaint # XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXXXXXX XXXX XXXX XXXX ( Date opened : XX/XX/XXXX, Balance : {$47000.00} ), XXXX XXXX XXXX XXXX ( Date opened : XX/XX/XXXX, Balance : {$47000.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 30 day late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX with no successful resolution. XXXX, Equifax, and XXXX reporting me 30 days late on XX/XX/2019. There was an error on their part. I was never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Within the past few years, I have had multiple issues with Nelnet. I originally went to XXXXXXXX XXXXl in XXXX, and my original Student loan lender was XXXX XXXX. I had no problems in the beginning, while I was waiting to find a job my loans were in deferment. My loans then were transferred to Dept of Ed/Nelnet, I received a notice that my loan was transfered information however was not told this would effect my deferment. When I received my first bill in XX/XX/XXXX I filled out the paperwork for an extension on my deferment as I had not yet found a job as a nurse. I never received a confirmation that my deferment was approved or denied, however I did not get another bill and stopped worrying. It was not until XXXX of XXXX that I received a notice that my account was severly delinquent and I called immediately to resolve. I place another deferment on my account when offered. That extension took me until XX/XX/XXXX when I received a notice along with another option to defer. My parents had instilled in me the importance of good credit and I knew I was still not financially able to cover my payments at that time and did not want to risk negative remarks, so filled for another deferment by mail, sure that the same error could not happen twice. I received nothing from Nelnet until XX/XX/XXXX when I became worried that no news was not good news. I reached out to them and was told that my account again was in delinquent status, and was even told by the representative that she saw my deferment request from XX/XX/XXXX and stated she didn't " know what happened '' and gave her apologies. The representative said they had sent me notices by email, and when I asked what email, she had one that was not/had never been mine After My call in XXXX I asked to speak with a supervisor, and that had been the last of my troubles going forward. I reached out multiple times to Nelnet, Dept of Ed and XXXX with either no response or an explanation as to why, even if inaccurate, they do not remove late payment history. I was told by one representative that people try to " scam the system '' and that is why they do not make changes. I tried to better my life going to XXXX XXXX and now as I get ready to look for a home, those inaccurate late payments are making it near impossible. I have reached out multiple times, and although told they apologize, and it was " simple human error '' and to " deal with the consequences '' I have decided to defer my complaints to CFPB in hopes of getting help removing these inaccurate late payments. I will attach some documents/responses I have received that I hope will help to assist with this matter and I look forward to hearing back from you.
Product: Credit card or prepaid card

On XX/XX/21 Target Redcard debited my account for 2 payments instead of one. When I called them I was told it was a system error that had impacted " alot of people '' and not to worry they would refund the payment. On XX/XX/21 Targets system updated to reflect they returned the payment but nothing showed up at my bank. I called again on XXXX and was told it was in pending, I called my bank on XXXX and XXXX and there is still no return in pending and the money has not been returned. When I called Target on XXXX I was told they could see the refund in pending and it would post by the morning, it did not. After spending an hour on the phone with a manager today all they can do is " file an internal complaint '' and they will get back to me. I have another " internal complaint '' from XX/XX/21 that noone has responded to.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I had received notifications from each credit reporting agencies as well as other vendors such as a bank, XXXX XXXX and XXXX XXXX, to just name a few, regarding the significant decline ( > 40 ) of my credit scores. 

I had contacted XXXX  ( student loan lender ) on XX/XX/XXXX and XX/XX/2020, regarding the decline of my credit scores, and the comment that a remark has been removed from my credit reports caused the decline. I was informed that all of my accounts are in good standing and a few of my loans are currently in forbearance due to COVI- 19, and I have a couple of accounts are in a grace period. I was informed to contact the credit reporting agencies because it is the credit reporting agencies who has the ability to make a decision regarding my credit scores. I had informed the representatives that I had contacted the reporting agencies and I was informed to contact XXXX. I had requested for this matter to be investigated but was told that noting can not be done because all of the accounts are in good standing and this is has been reported to the reporting agency. After expressing the concerns I have and the request for XXXX  to advocate on my behalf, I was than informed that I can only make a complaint via writing a letter and sending supporting documents to XXXX  compliant departments. 

XXXX  submitted a dispute on one account but I was told that I can not dispute the other accounts due to the fact that all accounts are in good standing, but I was informed to contact XXXX  regarding my concerns. XXXX provided the same recommendation but I was informed to contact XXXX and the Board of Education. I contacted the Board of Education and was informed to contact the reporting agencies and XXXX. Each party stated that my credit scores should have not declined so significantly, as all of my accounts are in good standing and are either in forbearance or in a grace period. 

Since I was told that I could not submit dispute regarding my credit scores because of the reason above, I did not move forward to dispute with Experian. For Experian, there is no option to dispute my credit scores. 

I have made attempts to resolve my concerns but have been recommended to call each parties, with no solution. 

Thank you for your time and patience to assist me in this matter.