23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020, I was contacted by XXXX XXXX at Convergent Outsourcing regarding an open collections account with XXXX XXXX XXXX. The representative gave me a settlement amount on which I was lead to believe by her I would have this account deleted off of my credit reports. I asked repeatedly if this account would " fall off '' and just kept saying hmm hmm. I went ahead and paid the settlement amount for about half of the account amount. After a few months, I realized the account was still reporting to the bureaus and I called the collector to speak to a supervisor. 

XX/XX/2020 XXXX Convergent Outsourcing XXXX Spoke w/ supervisor Spoke with Mr. XXXX, who identified himself as supervisor for Convergent Outsourcing. I explained to XXXX that during my conversation with a Convergent outsourcing Representative XXXX XXXX in XX/XX/2020, I worked out a settlement agreement in which I was lead to believe this settlement would result in a deletion of this account on my credit report. Mr. XXXX advised he would listen to the said phone call and would contact me back at my personal cell phone number within the hour. 

XX/XX/2020 XXXX Called Convergent Outsourcing due to not hearing from Mr. XXXX yesterday. Spoke with representative who stated she will ask supervisor to call me as soon as possible. 

XX/XX/2020 XXXX Mr. XXXX called me back and stated he listened to the phone call from XX/XX/2020 using my phone number and that Ms. XXXX neve

r used deleted and I explained she never clarified and explained after I asked repeatedly if the accounts would fall off my reports and then he stated that they have absolutely no reason to explain anything to me and they do not have to explain anything to me they just need to collect. I advised him I would report this to the bureaus and CFPB and he said to go right ahead. I have disputed this account with all 3 major credit bureaus an
d XXXX XXXX then updated the account to Charge Off. They refuse to remove this account.
Product: Credit reporting or other personal consumer reports

I do not recognize the inquiries on the report & I didn't authorize them. I would like them removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not owe these companies.. I don't acknowledge the creditor. In relation to the debt, I do not own it, I've been denied credit because of this erroneous information. All I ask is that you delete this information from my credit report right away XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Product: Debt collection

I check my report often to ensure that the information is reporting correctly because I became a victim of identity theft shortly after moving to XXXX. I received my updated report and there was a collection for National Credit System in the amount of {$1400.00}!!! I never heard of this company and I have not received any type of correspondence from them either via phone or mail. This is a violation of my rights and I want this account removed from my credit immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent inquiries, delete these inquiries they fraudulent and I do not recognize these 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 XXXX XXXX XXXX I also have fraudulent accounts I want to dispute off my credit report, please dispute these accounts and do not add a fraud alert on my credit report. 


These credit cards are fraud, I want to dispute these as fraud XXXX    XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX   XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, someone fraudulently used my Wells Fargo debit card in a liquor store for {$300.00}. On that day, I never left my house and have only one debit card which was in my pocket and is never lent to anyone. I have never been to the liquor store and had to XXXX it to even know what it was. While reviewing my bank accounts in early XXXX, I discovered the fraudulent transaction and contacted the bank. They reversed the charge and began an investigation. Claim number XXXX On XX/XX/XXXX, Wells Fargo sent me a letter ( which I got 10 days later ) saying that they had investigated and concluded that I had used or permitted someone else to use the debit card. This was based on information received from Visa - essentially that their electronic system showed a card number, pin and chip signature that matched. I was not given any information on what the card number, pin or chip signature was. I was then assessed the {$300.00}, plus {$2.00} for the use of a non-Wells ATM. 

I called the customer service number provided and was told that the bank uses the Visa data as conclusive, that I must have given the card to someone to use or had it physically stolen ( neither were true ), and that they had no ability to reverse the finding. I was told by the specialist that my only recourse is to file a police report and hope that a criminal investigation done by our local police will show something different. I was also told that I had to prove that I didn't let someone use the card - in other words, that I am a liar and have to prove an impossibility. I was also told that there was no recourse to contact VISA about the quality or details of their investigation. I was told that they would mail me their documentation. Essentially, I was shut out of any real resolution and called a liar in the process. 

We have been WF customers since XXXX and maintain multiple business and personal accounts, but will no longer do so. I was ripped off twice - first by whoever stole my card information and then by Wells Fargo. This is not the first error by Wells Fargo that we have had to address, but it will be the last.
Product: Credit reporting

My credit report has been questioned and ruined because of a XXXX service that I utilized in XX/XX/2015. XXXX charged me around {$2800.00} excluding my XXXX insurance coverage of {$1200.00} annually. XXXX took care of my {$2800.00} payment and I paid XXXX $ XXXX $ XXXX monthly for 12 months. I was only aware of these expenses. My insurance denied last payment to XXXX because XXXX provided me with some XXXX services that I never agreed to have and they never got a signed agreement for me to pay anything extra. I have documents attached to evident my statement. I also want to request investigation. XXXX has ruined my credit score and put me to AWA collections on annual credit report. Please assist.
Product: Student loan

XXXX XXXX ARE SCAM ARTISTS I was trying to start repayment on my student loans since XXXX of XXXX. I was struggling to deal with my then loan provider XXXX when I got a letter in the mail that looked to be from the department of education. I called them up and they advised I was qualified for the Save program where I pay {$50.00} a XXXX  and just have to pay an up front cost of {$900.00}. I thought everything was going as planned and my loans were consolidated and all. In the mean time, my loans were sold to XXXX who started sending me letters and email saying I have to pay {$300.00} now. Curious what was going on, I called XXXX and told them I was on the XXXX program and they advised me the company I was dealing with, Superior Servicing were scamming me. 

They have to date stolen {$990.00} from me. I have already filed a complaint with the FTC and the XXXX Attorney General as well as filed a claim with my bank. 

I am now filling a complaint with you as well as the BBB  as these people have not only taken advantage of me, but based on my research have done the same to many other a former student and need to be stopped and prosecuted to the fullest extent of the law. 

Thank you for any help you are able to offer!
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) several times, It was removed from a previous dispute back around XX/XX/2022. I was not notified of any new documents or anything for them to add it back to my credit report per credit reporting guidelines. Yet Equifax will not remove it and follow credit reporting guidelines
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 U.S.C 1681. 
XXXX : Account Number XXXX, XXXX : Account Number XXXX, XXXX XXXX : Account Number XXXX, XXXX XXXX XXXX : Account Number XXXX, XXXX XXXX XXXX : Account Number XXXX, XXXX XXXX : Account Number XXXX XXXX XXXX : Account Number XXXX, XXXX XXXX : Account Number XXXX, XXXX XXXX XXXX : Account Number XXXX, has violated my rights. 15 U.S.C 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. ADDRESSES not mine. 
XXXX XXXX XXXX XXXX, XXXX, La XXXX, XXXX XXXX XXXX, XXXX, La XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX .

15 U.S.C. 1682 Section-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. 
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 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. 
15 U.S.C. ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1666 ( b ) : A creditor May not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding inaccuracies in the personal information section of my credit report. Upon obtaining a copy of my report, I noticed that incorrect information is being reported under my personal details. To clarify and rectify this issue, I am providing my accurate information below : Name : XXXX XXXX XXXX ( This is my legal name. Please delete any other references to names, as they are not mine and I have never used them. ) Date of Birth : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Social Security Number ( Last XXXX Digits ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I request that you correct my information as listed above and remove any other inaccurate personal details currently being reported on my credit file. To facilitate this process, I have enclosed the following documentation for your verification : A copy of my government-issued identification card A recent copy of a utility bill ( or bank statement ) confirming my address Please ensure that these corrections are made promptly to prevent any further inconvenience or potential harm caused by these inaccuracies. Kindly confirm receipt of this request and notify me once the corrections have been applied. 

Thank you for your attention to this matter. If you require any additional information or documents, please do not hesitate to contact me. 

Best regards, XXXX XXXX XXXX
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 : # XXXX XXXX XXXX : # 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 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 th

an seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A p
erson shall not furnish a account with my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent letter beginning of XXXX and have not gotten any information on these UNAUTHORIZED INQUIRIES!! Which are affecting my credit worthiness!
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.U.S Department Education - XXXX U.S Department Education - XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX .After reviewing my credit report from all three credit bureau , and noticed some things are incomplete, and not accurate. In Accordance with the fair credit reporting act everything has to be 100 % accurate on my credit report.After investigation the credit bureau state my account was properly investigated, But how is that possible If the date last active is inaccurate, No. of months ( terms ) is inaccurate along with other inaccuracies and inconsistency. This Is ground for removal and also a violation under 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 : States A Consumer Reporting Agency CAN NOT Furnish A Account Without My Written Instructions
Product: Debt collection

I received a lawsuit notice from XXXX XXXX about a debt to XXXX XXXX  XXXX, i had no dealing with this company so I requested proof of ownership of dept. to figure out what it was it turns out i was a victim of identity theft and there was a dept open under my name with XXXX XXXX  XXXX. After I requested the information about a month later i received a letter stating that i was no longer being sued. Since than things died down and I though it was over now come another lawsuit for the same debt i requested information multiple times certified mail and all and they refuse to provide me with any information they just keep pushing a lawsuit. I don't know what I should do i have court soon but these guys are refusing to provide me with any information
Product: Mortgage

ON XX/XX/2020 XXXX XXXX OF PHLOANS ORDERED A VA APPRAISAL OF PROPERTY XXXX XXXX XXXX XXXX  XXXX XXXX, MD XXXX. THAT APPRAISAL WAS ASSIGNED TO AND COMPLETED BY XXXX XXXX OF XXXX XXXX XXXX, XXXX THE FINISHED APPRAISAL REPORT WAS UPLOADED TO THE VA PORTAL ON XX/XX/2020. THE AMOUNT OWED FOR THIS COMPLETED SERVICE IS {$570.00}. NUMEROUS ATTEMPTS OF COMMUNICATING THIS DEBT HAVE BEEN MADE TO XXXX XXXX 'S PHONE NUMBER AND EMAIL. LATE FEES HAVE BEEN ADDED IN REGARDS TO THIS NONPAYMENT.
Product: Student loan

Hello- XXXX XXXX has been servicing my loans for three years now. I continue to make monthly payments way above the monthly payment. XXXX has made it very, very difficult to take the additional payment amount and allocate it to a specific loan series. Origiannaly I was told to submit a standing order with instructions on how additional payments should be allocated. I did this and the letter was ignored. I called in to customer service to ask for this to be done over the phone. They told me to submit a form. After explaining I already had and asking to speak with a supervisor A request was submitted to reallocate. These calls typically take an hour during workday. I spend a lot of time educating the agent in the process and my rights. It then takes weeks or months for the really payment to be correctly credited. And I have to continue to follow-up via phone. Last month I called to do this for several payments. The processing agent asked me to check online in10-14 business days for the adjusted payment break downs. It was not done then so I called back. Another agent told me to wait a month which I have done. The adjustment should haves been made. I asked the agent when I can expect to see the adjustment and he told me that was backed up, he would ask his supervisor and then told me he could not provide a timeline. He asked me to check back later, already a month after. He explained the department was backed up. In the meantime, I have continued to make payments monthly. These payments also need to be targeted to certain loan sequences. I am left waiting for prior adjustments to be completed before I can even request these new payments be allocated. This an unacceptable processing delay and unresponsive customer serivce. I should not have to battle with service provider to have have additional payments correctly applied. XXXX continues to process payments in manner that is financially beneficial to them and ignores my request.
Product: Checking or savings account

I have two accounts with Chime, that is accessed through chime.com and the mobile app. During the last three months of XXXX ( XXXX, XXXX, XXXX ), I move funds into chime because I am readying a down payment for a house. 

After the new years into XXXX, I returned from vacation and things began to become bizarre with Chime. There was no access into my account from chime.com and the mobile app. I emailed to support@chime.com and there were no reply for over 6 business days. I spoke with my lawyer about this and he advised me to msg the cfpb about this as these so-called " fintech '' startups are typically becoming odd about quality of service. 

These behavior about Chime are very worrisome among many customers, my friends and myself. Chime have no physical branch, their support have become uncontactable and nonresponsive as stated. They provide no means to access my funds even after three levels of security with login/password, puzzle solving and telephone 2FA. I repeatedly pass all those and still no support msg and access to my funds. 

I tested my ACH transfer where money only can go in and no money can be ACH out even though its previously authenticated. I last check from friends that Chime is theatering customers to delay access to funds. 

I urge bank regulators to seriously review Chime 's startup business practices as described customer service behaviors are very bizarre and disturbing. 

The resolution I asked is the restoration of my account and funds without delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several requests that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 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. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX, IL XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, IL XXXXXXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$2100.00}
Product: Debt collection

A collection agent contacted my XXXX year old mother looking for me about a collection for 2008. My mother called me upset because she was told it was an emergency. 
I contacted the agent back to be verbally abused. I noticed an entry was made on my credit so I called back again and Spoke to XXXX XXXX were I was threatened to be sued.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX XXXX for violating Regulation P of the Code of Federal Regulations ( CFR ) by unlawfully disclosing my private financial information to third parties after I submitted a notice of my intent to opt out. Regulation P requires financial institutions to provide consumers with the right to opt out of certain disclosures of their nonpublic personal information to nonaffiliated third parties. Upon receiving an opt-out request, the company must honor the request and cease sharing the consumers private financial data with nonaffiliated third parties unless otherwise permitted by law. 

I submitted my opt-out notice to XXXX through a previous CFPB complaint, clearly stating that I did not consent to the sharing of my financial information. Despite this, my private financial data was reported to XXXX, XXXX, and TransUnion, all of which are nonaffiliated third parties as defined by Regulation P. A nonaffiliated third party is any entity that is not part of the financial institution 's corporate structure. Credit reporting agencies like XXXX, XXXX, and TransUnion are separate entities and are not affiliated with XXXX XXXX. Therefore, sharing my information with them after I opted out is a clear violation of the regulation. 

Regulation P requires that once a financial institution receives an opt-out notice, it must implement policies and procedures to ensure that the consumers private financial information is not disclosed to nonaffiliated third parties. By continuing to report my information despite my explicit opt-out request, [ Company Name ] failed to comply with these legal obligations. 

In addition to my original opt-out request, I am reiterating my opt-out notice as part of this complaint. I DO NOT CONCENTTO THE SHARING OF MY PRIVATE FINANCIAL INFORMATION with any nonaffiliated third parties, including but not limited to XXXX, XXXX, and TransUnion.
Product: Credit reporting or other personal consumer reports

I have disputed information on my credit report and Experian has not investigated anything I disputed. I have request to know who verify the information with experience and how they came up with their decision. I have not received a response. 

Conducting sham investigations that fail to properly address consumer disputes : When handling disputes, Experian uses faulty intake procedures and does not accurately convey all relevant information about disputes to the original furnisher. Experian routinely and uncritically accepts the original furnishers response to the disputed information, even when that response was improbable or illogical on its face, or when Experian has other information available that suggests the furnisher is unreliable. At the conclusion of the investigation, Experian sends consumers notices that fail to inform them of the investigation results, and instead provides information that is confusing, ambiguous, incorrect, or internally inconsistent.