23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Over 3 years ago I was notified through XXXX XXXX that a fraudulent account in my name was opened and in collections with XXXX XXXX in XXXX XXXX, NV. 
I immediately disputed this fraudulent account with all 3 credit bureaus as well as XXXX XXXX. 
I submitted the fraud claim and all necessary documentation to support said claim to XXXX XXXX at which time this debt was removed from my credit report ( s ) and no further attempts to collect said debt was made until XX/XX/2021. 
I received by mail at my new address a collection notice from Convergent Outsourcing , Inc demanding payment on behalf of XXXX XXXX in the amount of {$1500.00}. 
I have never resided in the State of Nevada, I resided in XXXX XXXX, CA for over 6 years until my relocation to XXXX XXXX XXXX CA on XX/XX/2021. 
I attempted to resolve this matter with Convergent Outsourcing , Inc informing them this account was opened fraudulently and disputed through XXXX XXXX over 3 years ago. They refused to acknowledge and accept the information I provided to you in this letter so I contacted and filed a complaint with the XXXX. 
Within 24 hours I received a call from XXXX XXXX not Convergent Outsourcing, Inc informing me they were contacted by the XXXX  at which time I informed them of the above information provided in this letter. I was told they had no record in their system of said debt and I informed them it was disputed over 3 years ago and no further collections were attempted and to please contact Convergent Outsourcing , Inc and advise them this account was opened fraudulently and resolved through your fraud department and to cease any further attempts to collect this debt. 
This morning XX/XX/2021 I received notification from XXXX XXXX that Convergent Outsourcing , Inc has reported to XXXX a collection account opened XXXX the amount of {$1500.00}. 
This attempt to collect a debt fraudulently opened in my name in a State I have never resided in is unlawful and extremely unethical. 
I am XXXX and on a fixed income. I have outstanding credit and no history of any collections and or delinquent account ( s ). 
This is grossly effecting my credit worthiness. 
Your assistance in resolving this matter would be greatly appreciated.
Product: Mortgage

LoanCare bought my mortgage from the previous company XXXX. I was never informed about this transfer. When asked, XXXX was asked about this, they said it went to another address in XXXX that I am completely unfamiliar with and have never been associated with. Despite the fact that I had provided my current address to XXXX. 

Loancare meanwhile, never called to ask about the payment. Instead, Loancare went to the property on two separate occasions and " winterized '' the property without my consent while I was out of town caring for my sick and now recently deceased father. As if that is something you need to do to a property in XXXX in Texas! My car was in the garage with registration as well as bills with my contact information on top of an appliance they " winterized ''. They failed to contact me out of their own negligence. I have now had to pay to get the place " unwinterized '', get the locks changed, etc. At the time they completed this winterization, I had already brought the account current as I proactively reached out to them after noticing my old mortgage had been closed online. This is abhorrent! Who goes into someone's residence twice without contacting the resident? XXXX had all my information and LoanCare did as well, so their lack of record-keeping is unconscionable. They are now trying to bill me for an NSF fee when I can show no payment was ever returned. They can't keep their bills or contact information accurate, how can they maintain their business licenses? They obviously abuse the public trust.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX has violated my rights. 

604 15 USC 1681B 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. 15 U.S. Code 1681a- Definitions ; rules of construction Exclusions-Except as provided in paragraph the term consumer report does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Its disheartening and frustrating to see unauthorized inquiries appearing on my credit report tonight. I routinely check my report, but this time, I found discrepancies that appeared out of nowhere. Even after refreshing my browser, the inquiries werent removed. Im requesting a detailed review of the documents Ive provided to prevent this from happening again.
Product: Credit reporting or other personal consumer reports

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

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

We had severe damage to our house in back to back hurricanes Laura and Delta in XXXX and XXXX of XXXX, it took a long time to get the insurance company to agree to pay for all of the damage to our home. During this time the insurance money was being held in property claims account with our mortgage company XXXX XXXX XXXX. In XXXX of XXXX XXXX sold our mortgage to Mr. Cooper and transferred the property claims funds in the total amount of {$160000.00}. When we needed to make our first draw this XXXX after finding contractors, Mr. Cooper told us they only have {$85000.00} in our property claims account. XXXX XXXX XXXX sent the correct amount over on XX/XX/XXXX. Mr. Cooper is not returning our calls and has not been able to locate our money in the last 3 weeks since weve filed our complaint of missing money. We need this money to fix our house. Weve not been able to live there for a year and a half at this point and this continues to hold up our progress.
Product: Vehicle loan or lease

When attempting to modify the terms of my loan and set up a new payment arrangement due to financial hardship ( XXXX concerns, etc ), CarMart asked for me to bring in a copy of my bank statement as support that I did not have the funds. I told them I did not feel comfortable providing my banking information to them. The manager, XXXX, was very angry on the phone and said that I provided this information when taking out my loan, which is materially false. 

I was able to get my loan appropriately modified, but am reporting the request for personal financial documents including bank statements with account numbers and balances, that were unredacted and without personal identifying information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX of the Family XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX XXXX Exempt, ( DMM 602 1.3e ( 2 ) ) Non Domestic, Real XXXX XXXX XXXX To whom it may concern, I XXXX XXXX writing you today as an aggrieved man. I am a victim of identity theft. I checked my credit report with Experian today and noticed unauthorized hard inquiries I have knowledge of. A variation of my name and addresses I have never resided at. This fraudulent activity needs to be removed from my credit report post haste. 

The unknown and unauthorized inquiries are as follows : XXXX XXXX XXXX date - XX/XX/XXXX XXXX XXXX XXXX CO XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX date XX/XX/XXXX NXXXX XXXX XXXX Inquiry date XX/XX/XXXX SXXXX XXXX  XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX US XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX The unknown and unauthorized addresses are as follows : XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX and XXXX XXXX XXXX XXXX XXXX, NEW JERSEY XXXX. 
The unknown and unauthorized name is as follows : XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during these times. This is not only effecting myself but my family as well. 

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentialilty under 15 USC 1681. Trans Union LLC has violated my rights. 

15 U.S.C. 1681 SECTION 602 A states 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 conumer 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 conviction of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting aganecy if the person knows or has resonable cause to beleive that information is inaccurate. 




ACCOUNTS : XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX  Account # : XXXX XXXX Account # : XXXXXXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXXXXXX Account XXXX : XXXXXXXX XXXX Account # : XXXXXXXX XXXX Account # : XXXXXXXX XXXX  Account # : XXXXXXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX INQUIRIES : 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 TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion 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 TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion 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 TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion
Product: Credit reporting or other personal consumer reports

I have disputed this fraudulent account and requested for account to be removed. The company have yet to do so. I am a victim of identity theft and have submitted requested documents multiple times, but every time I call for an update Im told they have nothing on file for me. They continue to send automated generated letters stating the account is/was verified, Its no way a fraudulent account could have been verified. Im requesting for the company to remove the account in question by XXXX XXXX for the amount of {$7900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the items as they were opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the items. They were opened without my knowledge, authority or consent. 


XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX & XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -- - UNAUTHORIZED INQUIRY XXXX XXXX XXXX -- - UNAUTHORIZED INQUIRY 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Citi XXXX has been posting and charging on my Simplicity card last XXXX XXXX charge ever since 2016 bogus charges that I di n't make, these charges have been going on since 2016 I have reported them to Citi XXXX they said that they were going to invetigate these charges but they have not done so and they continue to allow the bogus to go on and my balance has continuosly going up and with all their charges, interest and handling fees and all other bogus fees my balance har risen to enormous proportions in the neighborhood of {$3000.00} dls that I will never be able to payup. 
I would like for you to investigate this and make this bank to stop these charges and credit my account with all those extra charges that they include. 
Also I only have two card on which I owe money to the and I only used them once, but they also clain that I have two Simplicity accounts and on Preffered acount but as I stated bafore I only have one Simplicity account ending in XXXXand a prefered ending in XXXX but they also show that I have another Simplicity card ending in XXXX, again I have not used these card but once to make a purchase and have not used them again since they were issued to me, so please help me solve this problem
Product: Bank account or service

Teller made a mistake depositing into wrong account. Deposit was made into joint account with my brother instead of joint account of me and my wife. The deposit was transferred to the correct account. For privacy issue with showing large account of deposit, I requested to remove incorrect deposit from the history and next statement under the wrong account. My request was not honored.
Product: Money transfer, virtual currency, or money service

I have sent some money to my mom on Friday XX/XX/2021. The company REMITLY, INDICATE TO MY THAT THE MONEY WILL BE READY AND THAT IT WAS READY SAME DAY FRIDAY XX/XX/2021. When my mom went to the place where she where supposed to receive the money. They indicate to her that the transaction was not ready and that she will have to come back. Today XX/XX/2021. My mom is trying to collect the money and now the place where she is trying to collect the money indicate that the money is being paid already. My mom never receive any money yet. I have contacted REMITLY who is the company that I used to send the money. They say that it will take up to 2 days or more to solve the issue, my mom is old and she need my support. I am the only one supporting her. I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an address reporting to my XXXX, XXXX and Experian credit report that is not my address.
Product: Credit card or prepaid card

I received a call from Capital One saying there appeared to be two transactions that required attention from their fraud department. They asked me to send in a picture of my government Driver 's License front and back to reinstate my Credit Card. Since the address on file with them does not match the address on my Driver 's License they said I need to send in a picture of a utility bill AND a picture of my Social Security Number which I do not feel comfortable doing. I think that the picture of my utility bill is enough and the woman on the phone said I only had to send in one piece of ID to reinstate my account. With out reinstating my account I am unable to use my card OR make payments. I offered to not only send in a picture of the name on the utility bill but also a picture of account statement from my bank, all pieces of mail with the current address they have on file. They are completely unwilling to help me with this situation and asking for information that I do not feel comfortable sending over the phone. Here are the two representatives that I spoke to over the phone. <P/>XXXX XXXX ID XXXX XXXX Eployee ID XXXX
Product: Debt collection

I was XXXX XXXX in XXXX Washington in 2016. I had XXXX XXXX to complete my XXXX XXXX in XXXX. I was told that I had no more funding to use for my XXXX but I could apply for awards to pay for my last XXXX XXXX. So I applied and my name was mentioned that I had been approved but the presenting loan officer elected to give the XXXX XXXX XXXX XXXX, who was her niece. So, I applied for other XXXX and was approved for a XXXX XXXX. I asked if that XXXX could be applied to my XXXX to help me out and the receptionist said that it disappeared out of my file. She said it was there but now it was gone. So, I began making payments on my XXXX. When I finished that XXXX I still had one more XXXX  to go. But I had to quit because I didnt have enough money to pay for the last XXXX, because I had lost my job. So I asked if they would please work with me while I looked for another job. Then I had to move and everything went with the shuffle while the balance grew. I called the XXXX where I was located and picked up making payments. 
Now this company Williams & Fudge says I owe {$3900.00}. I have set up payments with them only my receipts say Im making a purchase instead of a payment.
Product: Credit card or prepaid card

After realizing credit multiple cards were opened in my name and promotional checks had been forged ... I notified Citi of my identity theft and Forgery, ( {$2500.00} ) provided police report number as well ... 
I was sent a letter stating ; I was responsible because I made payments on disputed account ... ( payments were made in good faith ) as l was instructed to do by a representative of Citi, while account was under review, back in 2018 ... 

Please help with matter, Thank you ...
Product: Debt collection

Contacted this company via phone and they transferred me to several different departments and stated that they could not locate me in there system. Asked each  one to send me a letter stating I do not have and account with them  and they refused stating that it was illegal. I informed them that it was illegal to put an account on my report that did not belong to me as well if they do not have any validation. This company has not send me anything in writing or email or via phone. All my information my name telephone number and email was given.
Product: Mortgage

I applied for a loan modification in XXXX 2017 with the assist of XXXX ( HUD counselor ) all documents were sent in at the required amount of time. My HUD counselor called to get an update and was told she could not be updated and we needed to resubmit a 3rd party release form which was sent twice previously to her call. I called a day after resubmission of that doc for receipt of it being received and was told that the 3rd party doc was received and also the modification was denied in XXXX on the day the HUD rep had called. During the call, I was told I had the option to resubmit my application during the appeal process time. My application was resubmitted on XXXX XXXX or XXXX. My HUD rep called the next week for an update and was told that the modification package was submitted to soon and that she needed to resubmit before or by the XXXX of XXXX? No phone call from the point of contact ( XXXX XXXX ) or any informational documents were sent to make me aware of this. My third application was resubmitted, as directed, on XXXX XXXX. I have received a notice on XXXX XXXX stating it can not be evaluated due to a lack of time between the sale and the application 37 day evaluation. I feel I have been treated unfairly and myself and the HUD rep have been given the run around and continuous misinformation. I feel every step to this process was initiated properly on my end. I feel the information and lack of communication by the company should be evaluated. I may loose my home because of the lack.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account in question has been closed since XX/XX/XXXX. However, starting in XX/XX/XXXX, my credit report was changed to show that I had late payments for XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. This is not true, every single payment was made on time and deducted directly from my checking account on the XXXX of every month. I disputed this with the credit bureaus and they did fix it to show all payments made on time and no XXXX days late payments were ever made. This event reduced my credit from XXXX to low XXXX 's for a few months while it was resolved. 
In XXXX of XXXX, again my credit report was changed to show now that I was XXXX days late on payments for XX/XX/XXXX and XX/XX/XXXX. Again I have disputed this with XXXX, and they are investigating it. XXXX does not show this at this time. I am not sure what XXXX shows as I have no free access to their credit report at this time. 
I have called XXXX XXXX XXXX twice now, and they keep saying they are not the ones making these reports. XXXX XXXX XXXX also states that my payment history is perfect and I have never been late on any of my payments. Yet my credit report is still wrong.