23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX 2016, i saw on my experian credit report thatbi had a debt collection debt on my credit report, which i had no knowledge of, the company convergent Outsourcing put a debt on my credit report. Which is not mines, The company violated the law for not allowing me to dispute the debt, nor send me any kind of verfication within the five days of initial contact. I contactedbthe company back in XXXX 2016 and told them it was a fraud accout. Once i contact the company, i told the company i wanted to dispute it. I was told a fraud packet would be sent to me, but i never received it. The company didnt verify the debt was mines, they just did slander to my credit. Which put a parked debt on my credit report. The company put XXXX collection account both in XXXX 2016. The company Convergent Outsourcing has ruined my credit. I dont not know anything about this debt nor applied for anything. The convergent outsourcing has been involve in deceptive acts. Convergent Outsourcing also violated my rights as a consumer, there are certain steps a debt collector suppose to do before negatively impacting a person credit report. So i am asking Convergent Outsourcing to remove themselves from my XXXX Crefit report, which they reported twice, not one, but twice, which negatively impacted my credit. So i decided to file a compliant. Because i can sue the company for impacting my credit report and for the damages they have done. I told the rep that i have no knowkedge of this debt, but i never recieved what they told me they was going to send me, this company is a scam company and does not agree to what they say,
Product: Student loan

On XX/XX/XXXXXX/XX/XXXX at XXXX I contacted Navient and requested a copy of the Promissory Note for the loan. I received the first piece of mail with a copy of the XXXX XXXX Application pages 1-3. Pages 4-11 explain the terms of the promissory note and no  promissory note with loan amount, term, interest, repayment and my signature validating a debt owed. 

On XX/XX/2019 I called back requesting for the promissory note copy to be mailed and representative stated it was mailed and the second should arrive the week of XX/XX/XXXX. I did not receive this document. 

I contacted Navient again todayXX/XX/2019 requesting the Promissory Note and representative stated in his system only one request was submitted on XX/XX/2019 and he has submitted a second one today, XX/XX/2019 and expect to receive no later than XX/XX/2019 ( 7-10 Business Days ). 

I asked the representative to pull the promissory note from his system. He stated there are 12 pages including the cover page. Pages 1-3 are the XXXX XXXX Application and pages 4-11 are the explanation of terms of the promissory note. I asked  representative where the Promissory Note that has the Loan Amount, Term, Interest Rate, and my signature and stated there is no document in his system. Representative repeatedly stated the XXXX XXXX Application stated the Loan Amount, the  interest rate, terms and my signature. I stated each page 's information, representative confirmed. Page 1 is the Borrower 's & Citizenship information, and College Information. Page 2 is Reference information, Co-sginer and Cosigner Citizenship. Page 3 is Loan Amount Requested, Loan Options, and Signature. 

Navient is required to have and be able to provide a copy of the Master Promissory Note, the legal document in which you promise to repay your loan ( s ) and any accrued interest and fees and explains the terms and conditions of your loan ( s ).
Product: Credit card or prepaid card

American express freeze my membership rewards account without any notice and any reason
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays XXXX they record the calls XXXX admitted they had my police report XXXX XXXX and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im homeless XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Mortgage

at this writing please be advised that I am a victim of predtorary lending and senior citizen explortation loan.   nationstar mortgage has not response to my qwr request law office of   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  , il  XXXX  cae #  XXXX  is theating foreclosure
Product: Bank account or service

I went to a Chase ATM to deposit my money. I made 5 separate deposits but during my second deposit of {$1000.00}, the machine took the money but printed out a receipt that said it experienced a technical difficulty. The money was never credited to my account. 

I called up the claims department and they said they will check up on it. They gave me temporary credit but after a month they reversed it, saying they could not locate the funds. I am certain the machine took the money. I asked to see security footage of the ATM but they have refused. It is a similar situation to this article which recommended this service : XXXX I went to the branch where the ATM is located and the employee there told me multiple people have been having problems with the same machine. They reopened the claim for me but I have yet to hear back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting incorrect and inaccurate information on my consumer report. I did not give the permission to do so as required by the FCRA. I am a dictum of Identity theft and I want Experian to stop exploiting my consumer report for their gain.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXXXXXX Balance : {$340.00} XXXX XXXX XXXX XXXX XXXX Balance : {$8100.00}
Product: Credit reporting or other personal consumer reports

Under the regulations outlined in the Fair Credit Reporting Act, I am composing to formally request an investigation and correction of the accounts listed below on my credit report, as they appear to be inaccurate and incomplete. 
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

Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 


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
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
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
Product: Checking or savings account

I opened up a checking account with fifth third bank and was being promised {$600.00} account opening promotion bonus. 

The promotion bonus was divided into 2 parts : - {$250.00} for funding the account with direct deposit {$350.00} - Increase the balance in the account by {$14000.00} " within 45 days '' and maintain {$14000.00} for 90 days The complaint is that I met the condition of adding funds within 45 days but still 53 is not honoring the 2nd part of the bonus which is {$350.00}. 
The reason that they have told that the promo code fell off the account in between when I lowered my balance less than {$14000.00} for couple of days. 

But, having said that, I still have 45 days to recouped to the bonus requirement within 45 days which I eventually did. 

The 53rd bank has violated terms and conditions wherein they gave me time period of 45 days to meet the criteria. When I have met the criteria within 45 days, it shouldn't matter as how many times the balance fell below {$14000.00} or not. 

The bank is performing malpractices to avoid giving promotion bonus. 


Here are the account details - Account name - XXXX XXXX Account # XXXX XXXX branch location where account was opened - XXXX XXXX XXXX XXXX, XXXX, NC XXXX Phone # of the branch - ( XXXX ) XXXX Best Regards, XXXX XXXX Cell : XXXX
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN, THE FOLLOWING ACCOUNTS ARE CLAIMING TO BOTH OWN THE SAME DEBT WITH A BALANCE. AS YOU KNOW, THIS IS NOT POSSIBLE AND ALSO A VIOLATION OF MY RIGHTS. BECAUSE OF THIS, BOTH ACCOUNTS NEED TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY DUE TO NOT PROPERLY VALIDATING THE INFORMATION IN WHICH A COMPANY HAS PASSED TO YOU. PLEASE DELETE IMMEDIATELY. 

WHEN THE REQUESTED ABOVE DELETIONS ARE MADE, PLEASE MAIL ME AN UPDATED COPY OF MY CREDIT REPORT ACCOUNT XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

My loan for my vehicle is with CIG Financial. This lender has continuously harassed not only me but my family members who have nothing to do with the car loan. They have repeatedly called my older daughter and my ex husband. My younger son and I had Covid and CIG reluctantly offered a forbearance and then after signing the forbearance agreement they repossessed the vehicle. I had to pay {$2600.00} to retrieve my vehicle. Upon getting my vehicle back, the calls and threats started again. I have been informed that this company currently has multiple class action lawsuits against them for unscrupulous acts against the consumers who do business with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion, XXXX fails to investigate the situation properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted Police Reports along with FTC identity theft affidavit identity to XXXX ( twice ), XXXX, and Equifax. Equifax, XXXX and XXXX have failed to remove the accounts in a timely manner, and reinserted accounts without proper notificaion *If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 


all three bureaus have failed to provide to me the investigation process and details used to verify the accounts, which is information I have the right to, under the FCRA 609,611. XXXX, Equifax, and XXXX are clearly in violation of FCRA 609 and FCRA 611. Even after receiving a request to delete the accounts, the accounts are still reporting the fraudulent accounts on my credit reports. If they do not remove the account, I will be force to pursue legal action against XXXX.
Product: Checking or savings account

On XX/XX/2024 I received an unsolicited email informing me that I needed to finish my account set up, The emails progressed to today 's message stating that I will receiving a debit card in the mail.

*The Banking institution identified in the fine print is XXXX XXXXXXXX XXXX XXXX  XXXX 
I have no such account, I went to the Chime.com site and chose 'forgot password ', to see what information would come up. It showed me the last 4 digits of my cell number. I forwarded the messages to XXXX which sent me auto replies. However, the emails had my daughter 's first name included. I followed up with my daughter who confirmed that it was not she who did this. 
My information has been included in past data breaches through various entities.
Product: Payday loan, title loan, personal loan, or advance loan

I took a loan with Affirm to purchase from XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$6300.00}. I paid off the loan on XX/XX/XXXX. The first of XXXX, I cancelled the order since I had still not received delivery. On XX/XX/XXXX, XXXX XXXX XXXX XXXX issued a credit back to the Affirm Virtual Card in the amount of {$6300.00} and provided me a receipt of that transaction and confirmed it had been deducted from their bank account. On XX/XX/XXXX, Affirm still claimed the refund was not issued so I opened a dispute. As of today, I have escalated this with Affirm, who just keeps telling me I have to wait even longer. I am at the point where I need to take legal action against them to get my money back.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and as a result, unauthorized accounts have appeared on my credit report. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts be blocked and deleted from my credit file : Accounts to be Blocked and Deleted : 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 card

On XX/XX/2023 my car ran out of gasoline on XXXX north before exit XXXX and I called the merchant XXXX XXXX XXXX  ( AKA XXXX XXXX XXXX XXXX ), which I obtained from my insurance company. I was charged {$370.00} via a web link to my cell phone at XXXX in order for the merchant to deliver 2 gallons of regular gas. My exact location was XXXX, XXXX. They indicated they would be there within XXXX minutes. A police officer pulled over and informed me that XXXX  state law allows only authorized merchants to provide roadside assistance in that area. The officer then called the XXXX  Turnpike Authority to dispatch a service vehicle. I called the merchant and let them know of this information, which was about an hour after my initial payment. They sent me an email to trick me to 'cancel ' my request in order to leveraged their terms and conditions and not refund my money. When disputing the charge with American Express, my credit card company, they indicated that the merchant 's policy doesnt allow for refunds. I called the merchant who indicated they would give me a refund, but they would not provide this statement in writing or email. I offered to give the voice recording of this conversation with the merchant to Amex but they do not accept audio evidence. This vendor has had numerous similar complaints posted by the XXXX XXXX XXXX and the address for their company of XXXX XXXX XXXX, XXXX, XXXX  XXXX with the email of XXXX appears to be a residential apartment held by an individual, rather than a real business, further indicative of fraudulent activity. 

I have attached evidence to show the Authorized Vehicles permitted to provide service in XXXX XXXX which excludes XXXX XXXX making the service they offered illegal and a fraudulent representation of their capabilities. I have also attached the road service rates, which is a XXXX  law ( XXXX XXXX ) which indicates the maximum a merchant is allowed to charge for roadside services which is a maximum of {$81.00} plus the cost of fuel. I also have attached an email from XXXX XXXX, Incident Management Coordinator, who indicated no outside agency [ XXXX XXXX  ] called on my behalf to the XXXX Transit Authority to provide services. The original invoice from the merchant is also attached. I have attached the documentation from American Express showing their investigation. 

American Express has failed to review the evidence I have provided to them despite my escalating it to the manager, XXXX on XX/XX/2023 and then XXXX on XX/XX/2023. The managers indicated that if the service was illegal then the merchant 's no refund policy would not be upheld and I should get the charge reversed and credited on my account. However, they have not upheld what they have told me and protected their customer, myself, from this fraudulent merchant and bogus charge despite the infallible evidence I have provided.
Product: Checking or savings account

SoFi was offering a {$300.00} incentive to set up direct deposit in a Checking and Savings account, and deposit {$5000.00} within 30 days. I used to have a brokerage account called " SoFi Money, '' but not their new Checking and Savings account. 

Per the terms and conditions I was given on XX/XX/XXXX : " Eligible Participants : All new members who open a SoFi Checking and Savings account during the Promotion Period and all existing SoFi Checkings and Savings customers who have not previously set up Direct Deposit transactions ( Direct Deposit ) into their SoFi Checking and Savings account as of the beginning of the Promotion Period are eligible for the Program. '' Please see page 7 of the attached pdf.

I requested access to the new Checking and Savings account on XX/XX/XXXX. 

The following day, XX/XX/XXXX, I logged into my SoFi account and was greeted with display offering this same {$300.00} bonus. I wanted to double check, so I spoke with SoFi 's chat support. A live agent named XXXX XXXX informed me that I was eligible. Please see jpg files 1 and 2. 

On XX/XX/XXXX, I reached out again to SoFi chat support because I had expected the {$300.00} bonus to be deposited by then. A live agent named XXXX XXXX apologized that I hadn't received the bonus yet, and said it would be awarded " in a couple of days. '' On XX/XX/XXXX, I called SoFi by phone. I was informed that I was not eligible for this bonus, and that I had been misinformed. The agent I spoke to told me that it was their fault I had been misinformed, but the bonus would still not be awarded. I asked to speak to someone higher up. 

I then spoke to XXXX XXXX. She told that direct deposit activity on my old " SoFi Money '' brokerage account disqualified me from earning this bonus. I pointed out that there was no such language in the terms and conditions that I accepted. She said that there was language specifically excluding customers like me on their website now, and that they reserve the right to change terms and conditions at any time. 

I pointed out that this was unfair. I reminded her that they admitted this was a mistake on their part. I also pointed out that " changing the terms and conditions at any time '' would allow them to refuse the promised bonus to any customer at any time. Ultimately, XXXX and I could not come to resolution. 

I feel like this is a bait and switch. I did my due diligence, I followed the rules as presented to me when I accepted their offer, and I verified multiple times that I was eligible for the promotion. It's only after I deposited three consecutive paychecks ( and bolstered their balance sheet for investors ) that they now say they changed the rules and I don't qualify for the bonus.
Product: Credit reporting or other personal consumer reports

In regards to a now closed case with XXXX XXXX XXXX : Due to an unfinished case, numerous disputes, and a complaint to the XXXX, I am writing to reject the response provided by XXXX XXXX XXXX ( XXXX ) regarding my complaint about the debt they are attempting to collect on behalf of Galaxy International Purchasing , LLC. The response fails to adequately address my concerns for the following reasons : 1.Insufficient Debt Validation : XXXX  response claims to have attached relevant documents but fails to provide an itemized breakdown of the debt, including the principal, interest, fees, and payments applied. This is a key requirement for proper validation under the Fair Debt Collection Practices Act ( FDCPA ).

2.Proof of Ownership Missing : XXXX did not provide sufficient evidence that Galaxy International Purchasing , LLC has legal ownership of the debt or the right to collect on it. My request for documentation proving the chain of title was not addressed. Refusing to provide a purchase and sale agreement raises concerns about whether this debt is valid.

3.Vague Assertions About Credit Reporting : While XXXX states that their reporting is accurate and compliant, they fail to provide specific evidence addressing my concerns about the accuracy of the reported information.

4.Failure to Address Specific Dispute : My original complaint raised concerns about the accuracy of the debt balance, the legitimacy of XXXX  authority to collect, and the reporting practices. These concerns remain unaddressed. 


I request that XXXX : Provide a detailed itemization of the debt showing how the balance was calculated. 
Submit documentation proving that Galaxy International Purchasing , LLC legally owns the debt and that XXXX has the authority to collect it. 
Delete collection effective immediately due to failure to provide proper validity. 


Until these concerns are adequately addressed, I dispute the debt in its entirety. 


Thank you for your assistance in resolving this matter
Product: Debt collection

i lost my job tried to make a payment they told me the account was closed