23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX, XXXX  I applied for a Mortgage to purchase a new home. Upon receiving a copy of my Credit Report, I noticed that I was being listed in Collections from a company named Convergent Outsourcing, from a XXXX account. I contacted Convergent Outsourcing and informed them that I had NO KNOWLEDGE of this outstanding debt with XXXX or Convergent Outsourcing. For I had never opened an account with XXXX XXXX XXXX. In XXXX of XXXX  I sent Convergent Outsourcing a DEBT VALIDATION REQUEST via Certified Mail. This Request pursuant to The Fair Debt Collection Practices Act, 15 U.S.C. 1692g. Stating that I am disputing this claim and Validation is required. This request allows a company 30 days to respond. They have not responded to date. Forty Seven ( 47 ) days later ( See Enclosed ) Since XX/XX/XXXX, I have done everything humanly possible to get this company to remove this Fraudulent Account from my credit file. I have called them numerous time. and getting through is a task within itself. Minimum wait 45/50 minutes. ( See Enclosed Screenshots ) I have filed a complaint with Identity Theft.Gov. 
I have Filed A Police Report ( See Enclosed ) This Fraudulent account on my credit file has caused me nothing but grief. I am being penalized for a debt that I did not incur.
Product: Credit reporting or other personal consumer reports

I have been asking the company to correct my personal information recorded on their records since its wrong and some doesnt even belong to me. I tried disputing with the company they come back saying it belong to me but THEY ALWAYS FAIL TO PROVIDE PROOF THAT I GAVE THAT INFORMATION. 

I have reviewed my report recently. There were names and addresses on it that are incorrect - spelling errors or just plain wrong. PLEASE fix EVERYTHING in my personal information that is NOT the following : 1. My Name : XXXX XXXX XXXX delete any other references to names as they are not mine and I have never used any of them. 

2. My Address : Also, please be sure that my address is listed correctly. My address should be listed like this : XXXX XXXX, XXXX, XXXX, XXXX 3. Contact details : My cellphone number should only be : XXXX Email : XXXX 4. Employer : My only XXXX employer that should be on my report is XXXX XXXX XXXX XXXX XXXX  Please send me a new report when you are completed so I may continue to verify its " accuracy. 

Thank you for your time,
Product: Credit reporting or other personal consumer reports

This forceful grievance underscores the alarming inclusion of inaccurate and incomplete credit information in my profile. It is glaringly evident that your operations have drastically fallen short of the fundamental standards mandated by credit reporting laws, particularly 15 USC 1681. This federal statute explicitly dictates that credit bureaus must report nothing less than 100 % accurate credit information, leaving no leeway for the haphazard and erroneous data currently tarnishing my report. The seriousness of this transgression necessitates an immediate and thorough re-examination of the following details, ensuring strict adherence to the unyielding statutory provisions outlined in 15 USC 1681 1 : Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. XXXX XXXX Account XXXX Please remove it from my credit report. 2 : Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate XXXX  Account Number XXXX Please remove it from my credit report. 3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % XXXX XXXX  XXXX Account Number XXXX Please remove it from my credit report. 4 : Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % XXXXXXXX XXXX XXXXXXXX Account Number XXXX Please remove it from my credit report. XXXX. COLLECTION agency did not send me anything to verify this account so how did you verify it Where is the valid documentation Please remove this account immediately. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX. COLLECTION agency did not send me anything to verify this account so how did you verify it Where is the valid documentation Please remove this account immediately. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit card or prepaid card

On XX/XX/XXXX, there were charges on my card that were made in another city that i do not live in. I reported the problem to the company ( netspend ), and within 24 ( actually less ), they closed my account, which is what i wanted and i ordered a new card. Instead, they closed my account and made my access to my online account inactive. They also made it to where i can no longer be a netspend customer or account holder. I still have money in this financial institution with no access to it. This is very funny to me and my senses are red flagging all over.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, 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 card or prepaid card

I currently have requested enrollment into the SCRA/Sailors and Soldiers Relief Act through Citibank for the 2 credit cards i have. i have spoken to Citi Customer Service multiple times. During the conversations with customer service the SCRA reps at Citi explained i should have already been enrolled. if i provided the paperwork they could enroll me. I have provided all required paperwork and each time i get a written response explaining they weren't able to enroll me. after multiple attempts my interest remains at 29.9 %
Product: Credit card or prepaid card

To Whom It May Concern I have an American Express Prepaid Serve Debit Reloadable Card in which I use to make online purchases and conduct online other money transactions. However, I tried unsuccessfully to load ( add ) cash to my card to one of the authorized retailers. It would not allow me to load {$50.00} on Friday, XXXX XXXX at a local XXXX XXXX or Thursday, XXXX XXXX at a local XXXX store. I asked the store clerk why it would not take and they both stated it needed " preauthorization ''. I haven't had this problem before. I've loaded my card sometimes 3 to four times a month with various amounts. It has not reached the maximum limit of ( {$100000.00} ) for the year listed under cardholder agreement fees. There is no email to contact American Express Serve about this complaint, only a mailing address. That will take probably this time next month or many months after to get the complaint and a resolution. The telephone number only gives you certain options and when you try and bypass those options it hangs up on you. They have FAQs but someone would like to talk to a customer service agent to further direct the consumers.
Product: Mortgage

I am submitting this CFPB Complaint to request CALIBER HOME LOANS, IN to remove the lat payments from my accounst bewing reporting on my Credit Report. I have kept a good paying history with you. I noticed a late payment on my credit report AND IM NEVER LATE. I typically have my account on automatic but misunderstood how the online system worked. Im asking as a long-time customer to please remove the late payment. My family and I have been through a lot since one of my family member got sick and we are finally getting back on our feet and this late payment is bringing us back down. 
CALIBER HOME LOANS, IN XXXX Date Opened : XX/XX/2001 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Please provide proof that this payment was late or remove any negative association from my report. I have no recollection of this account ever being late. I would appreciate it if you would remove it from my report or show it as " Paid in Full, Never Late '' because this payment was never late and that is what is showing on my credit monitoring yet this account is incorrectly being shown else where.

By provisions of 15 US sections 1681i of the Fair Credit Reporting Act, these items need to be investigated for accuracy, completeness and completely. Please provide me with proof of these items, specifically the contract, note or other instrument bearing my signature or a documented record of the payment history. Failing that, please update the record to show PAID IN FULL, NEVER LATE, or delete the item from the report as soon as possible. The circled items are completely inaccurate and incomplete, and are a very serious error in reporting. Please update or delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Also, pursuant to 15 US section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please provide me with the description of the procedure used to determine the accuracy and completeness for Account Name : XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. It should bear my signature showing that I have some contractual obligation to pay these companies. To my dismay, Equifax did not provide evidence. CFPB step up and delete XXXX XXXX ( ORIG CREDITOR : XXXX XXXX ), XXXX   XXXX XXXX ( ORIG CREDITOR : XXXX XXXX   XXXX )
Product: Mortgage

On XX/XX/2020 I contacted PHH Mortgage for loan forbearance as allowed and mandated by the FHA. As evidenced in the documentation I will be submitting, first PHH deceitfully attempted to get me consent to a loan modification. When I convinced them that this was not what I had contacted them for, they then only offered 3 months suspended payments with a lump sum of all past due amount payable at the XXXX month due date, rather than the minimum 6 months forbearance with no lump sum payments as mandated by the FHA loan program. Since pointing out to PHH that their offer was non-compliant with FHA mandate they not have ceased communication but for vague form letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2014 Balance - {$9100.00} Santander Consumer USA has charge offs on my credit that do not belong to me because of litigation and settled from 34 US Attorneys.
Product: Payday loan, title loan, personal loan, or advance loan

I tried contacting grayfox lending multiple times over email but havent received an appropriate solution to my request. the payday loan is too expensive to pay off
Product: Checking or savings account

Hello! I was at work when I received an email stating that I added a new recipient to my XXXX account which I did not do and did not recognize. Therefore, I opened my Chase app on my phone to see and it stated that I made a XXXX payment to XXXX on XX/XX/year> even though I did not. The payment was {$1300.00}. I do not recognize this person and did not authorize a charge for this amount. I immediately called XXXX to file a fraud claim. The representative tried to stop the balance from going through ; however, she said she couldn't stop it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam : PLEASE ADD MY PHONE # Telephone : ( XXXX ) XXXX Dear Credit Reporting Agency : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way : RE : IDENTITY THEFT, FRAUDULENT ACCOUNTS & INQUIRES! 

Copy of Social Security Card and Drivers License, Copy of Utility Bill Notification of Identity Theft, List of Fraudulent Accounts, FTC Identity Theft Victims Complaint & Affidavit XXXX 1. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX 3. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX 4. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX 5. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX 6. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX 7. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX 8. The following personal information is incorrect Account Number : Employers : XXXX CALIFORNIA 9. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX  10. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX 11. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

14. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

15. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

16. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

17. SANTANDER CONSUMER USA Account Number : XXXX Please remove it from my credit report. 

18. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


Please delete the disputed items from my credit report within ( 4 ) four days as required by the Fair Credit Reporting Act.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I wired {$9900.00} from my personal bank account to my Wise account. Wise, although one day prior accepted and deposited a wire from the same account, had issues accepting the second Wire. After multiple attempts at proving my identity, providing screenshots of my personal bank account where the wire was sent from and multiple emails trying to get the wire to process, I had to select " refund '' as the wire couldn't be processed. There was no logical explanation for why the second wire couldn't be processed which was very frustrating. 16 days later, Wise is still holding nearly {$10000.00} and has not processed the refund. I have attempted to email and call multiple times without receiving any help and without receiving any advice on how to resolve the issue. Wise have not explained to me why my refund can not be processed and they repeatedly email me with explanations that are simply NOT true about why they can not process the refund. The first reason they gave me was that my personal bank account where I sent the wire from had closed, which is false and hilarious considering a couple days prior they accepted a wire from the same account as well as refunded a third wire transfer in the amount of {$10000.00}. The second excuse I was given was about the amounts not being the exact same on behalf of both institutions which is also not true given I have provided screenshots from my personal bank account which shows the EXACT amount was indeed {$9900.00} as provided to Wise. 

In both emails with the excuses, neither has provided me with an alternative solution on how to fix the refund or how to get it processed correctly. I have called and on all the recorded phone calls you will hear that the customer service team does not have the proper training nor XXXX  to actually help solve the issue. I just keep going in circles and can not find where my money is or why it hasn't been processed. 

Wise has been holding my money hostage for over 2 weeks. This is theft, they have stolen {$10000.00} to me and can not explain why it can not be returned. This has caused me great emotional distress, has left me bedridden and depressed, and above all else has left me in a very difficult financial situation.
Product: Credit card or prepaid card

Around XX/XX/XXXX i noticed my Bank of america Unemployment prepaid card was used at an atm that wasnt by me, someone withdrew around {$700.00} from the account, the next morning i call to report fraudulent activity on my card and was told it would be taken care of. The next day i called Bank of America Prepaid, they informed me DETR Nevada Unemployment froze the account because of my report and the only way to open the account is to contact DETR nevada unemployment. I did the next day, i submitted my ID and social to DETR and the next day they sent over a request to Bank of America Prepaid to unfreeze the account. They sent numerous request to unfreeze the account to Bank Of America, and they ( bank of america ) are not working with DETR, and my account is still frozen even after Detr and I did everything possible to unfreeze the account. Bank Of America Prepaid arent helping at all. Everything i have is sitting in a frozen account because of bank of america, i need help!
Product: Credit reporting or other personal consumer reports

Hey guys, you are reporting inaccurate and incomplete credit information. I am distressed and angry that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure the maximum possible accuracy in the credit reports you publish. 
I was reading today that the Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : 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
Product: Credit reporting or other personal consumer reports

Fair Credit Reporting Act 15 UC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise three grave responsibilities with fairness, impartiality., and a respectful the consumer 's right to privacy ''. XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. According to 15 USC 6801 states I have the right to make sure my private information isn't shared. " It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. Furnisher of information to credit agencies is a financial institution by definition under that title. The financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they most definitely do not have my written consent. This account is an adverse item they are reporting again without my permission against the law. 15 U.S Code 1681s- 2 ( A ) ( 1 ) A state " A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed o avoid violation of section 1681c of this title and to limit the furnishing of consumer report the purposed listed under section 1681b. XXXX and XXXX are not maintaining reasonable procedures. 12 CFR 1016.7 states " Consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services ''. 

What would be a fair resolution to this solution?
Product: Debt collection

On XX/XX/XXXX my husband and I signed a lease agreement with XXXX XXXX XXXX and put an {$800.00} refundable security deposit down. We were due to move in XX/XX/XXXX. On XX/XX/XXXX we put in 36 days notice that we would not be moving in and were told by XXXX XXXX that we would receive our deposit back as we provided over 30 days notice. On XX/XX/XXXX XXXX confirmed that the unit was re-rented. XXXX not only held our deposit, but also sent us to collections for {$1600.00}. XXXX XXXX charged the current renters, the new renters and us for the one unit. It is against California state law to charge more than one party rent for the same property. 

XXXX XXXX  also included a 30 day move-out guarantee within the lease agreement that included that the security deposit would be refunded if we provided 30 days written notice that we were vacating the property within the first 30 days of the lease. We provided this notice 36 days before the lease was even due to begin. 

Hunter Warfield Inc, XXXX XXXX XXXX XXXX, XXXX, FL XXXX now holds the debt and every two to four months is entering the debt as a new uncollected debt. For four years and one month they have been entering the erroneous debt as a new charge off. Not only was the debt fallacious to begin with, but they have falsely resubmitted the debt over and over for four years. This is not only harassment but is also falsifying documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several letters to XXXX, Experian and XXXX Credit Bureaus to update my personal information to only 1 name,1 address because I don't want to be a victim of identity theft. I explain in my letters having those addresses listed on my report is opening me to be victim of someone filling out a credit card application or loan in my name and subjecting me to go into debt without my knowledge. I have sent countless letters and copies of my drivers license and utility bills to prove my current address, but nothing is being done.