23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have been sending disputes to Convergent Outsourcing every month for almost 1 year to report a collection account that does not belong to me and have provided a notarized FTC Identity Theft Victim 's complaint form, a police report with XXXXPD of when my identity was stolen, and several disputes to XXXX. XXXX keeps reporting the debt and it's hurting my credit scores. This is very unfair since the account is not mine and Convergent Outsourcing has not returned my emails after I called in and their agents have not been helpful.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE!!! 

I've contacted ExperianXXXX over 10 times and sent in many disputes and this public record have not been deleted even after giving them the proper paper work.The Reported Negative and Defaming information starting XX/XX/2020 on my credit report. I've sent in and debt validation letter and have not received a response with the requested all investigation.They only thing they said was we verified with XXXX. I've contacted XXXX XXXX regarding this matter and XXXX seemed to removed it off my report because it was unverifiable. Now experian/XXXX  have no right to furnish this information. I've sent in all letters receive from pacer, XXXX XXXX, and the courts. They never supplied sufficient information to me in order to to validate the debt. I do not agree with their actions. I have challenged the accuracy and integrity of the information. 12 CFR 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) states that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : Reflects the terms of and liability for the account or other relationship ; Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and Identifies the appropriate consumer. 12 CFR ( d ) ( 1 ) ( 2 ) ( 3 ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : Is substantiated by the furnisher 's records at the time it is furnished ; Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and Listed in section I ( b ) ( 2 ) ( iii ) of appendix E of this part.
Product: Credit card or prepaid card

I have a personal dispute with my business partner, XXXX XXXX. We own a business in the state of California. I am XXXX, XXXX and he is white. He inaccurately filed a statement of information with the XXXX of XXXX which I caught and immediately noticed XXXX in person on XX/XX/2020. I brought them all the documentation. They refused to take it. Gave me reference # XXXX. 
I then emailed them all the documents and called the next day. No response. 
I went to another branch on XXXX XXXX on Tuesday, would not take any information or tell me anything. 
I called telephone banking several times and also spoke with numerous wellsfargo employees. 
I don't even know what the balance is an account that we have a credit card and I have XXXX of personal funds in. I went again today on XX/XX/2020 and tried to give them all the documents again only to receive and email from a XXXX XXXX stating they are still looking into it. Meanwhile my business partner has suspended access to our XXXX and I have no way of knowing what credit he is pulling on behalf of the company or what deposits or withdrawals are being made. 
I am getting collection calls from recurring expenses for the business. I believe my business partner is misappropriating funds from the Pay Check Protection Program. 
I have no way to even find out right now. I noticed wellsfargo of the fraud and they did nothing. Nothing.
Product: Credit reporting or other personal consumer reports

Inaccurate information on credit profile closed accounts and 1 hard inquiry needs to be 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 XXXX XXXX XXXX  XXXX XX/XX/XXXX ( hard inquiry ) XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in removing a section of my credit file related to fraudulent activity. There are still items that should be deleted. Under FCRA Section 605, you are required to remove any inaccurate records. I have already included this documentation in a previous letter, and I am resubmitting it for your reference. My attorney is aware of my intentions, and they are prepared to hold you accountable for continued non-compliance. 
XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$390.00} XXXX XXXXXXXX XXXX Balance : {$900.00} XXXX XXXX XXXX Balance : {$440.00} XXXX XXXXXXXX XXXX Balance : {$580.00} XXXX XXXXXXXX XXXX Balance : {$83.00} XXXX XXXXXXXX XXXX XXXX : {$110.00} XXXX  XXXX XXXX XXXX : {$610.00} XXXX XXXX XXXX Balance : {$820.00} XXXX  XXXX XXXX XXXX : {$210.00} XXXX XXXX XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX : {$130.00} XXXX XXXX XXXX*** Balance : {$0.00} XXXX XXXX XXXX Balance : {$590.00} XXXX  XXXX XXXX XXXX : {$1400.00} XXXX XXXX XXXX**** Balance : {$0.00} XXXX  XXXX XXXX Balance : {$270.00} XXXX  XXXX XXXX XXXX : {$200.00} XXXX XXXX XXXX XXXX Balance : {$3600.00XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3600.00}
Product: Mortgage

We had a financial hardship and reached out to Amerihome for assistance back in XXXX. we wanted to modify our loan. They sent out wrong documents. They just sent us a general loan assistance packet. so I had to call and request modification documents again so we could try to modify the loan. This process took over two months. we had tried making payments online to keep from falling further behind and they would not allow it. at that time we were two payments behind and it was demanding the whole amount. They would not let me make just one payment online. when I would call in to make just one payment the first representative told me I could not. So we fell another month behind and then the next month when I was ready to pay again I finally got a representative who actually let me make just one payment. By the time we finally got the correct modification documents we had already proceeded to file bankruptcy. We filed chapter XXXX bk on XX/XX/XXXX. According to our bankruptcy we needed to pay our XXXX payment. I have been trying to call Amerihome mortgage since XX/XX/XXXX and have been kept on hold for up to an hour and 40 minutes without any response. I have tried every day to pay online and it says unfortunately this option is not available please call customer service yet my monthly statement tells me I can pay online even while we are in bankruptcy. The monthly statement shows we are owing for XX/XX/XXXX post bk and what are pre-petition and a post-petition payments are ... I have tried messaging and asking them if we can just set up one payment and I get a poor response back telling me to call customer service. Yet due to covid-19 can not get ahold of anybody. Today when I tried to call it just says we apologize for the inconvenience but all lines are busy please call back at a later time. All I want to do now is make a payment and there are no options for me unless I talk to a representative. I should be able to pay when and how much I want online.
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 charge off ) -- {$2300.00} XXXX XXXX # XXXX ( charge off ) XXXX {$13000.00} XXXXXXXX XXXX XXXX XXXXXXXXXXXX UNAUTHORIZED INQUIRY : XXXX XX/XX/year> XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
Inaccurate Names : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX & XXXX XXXX XXXX ; Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX
Product: Credit card or prepaid card

Subject : Account Closure and Inability to Apply for Discover Credit Cards Dear Discover Financial Associate, I am writing to address an ongoing issue that I have been experiencing with my Discover account and the subsequent denial of my recent credit card applications. After a thorough investigation, it has been confirmed that the account in question is indeed mine. However, I find myself trapped in an unbreakable cycle as I am continuously denied any new Discover credit cards solely based on the presence of my existing account, as repeatedly stated in the denial letters I have received. 

While I understand that my previous account was closed, it is disheartening to note that this circumstance appears to indefinitely prevent me from applying for any Discover credit cards. The denial letters consistently cite the existence of my previous account as the sole reason for the denials, leaving me caught in an unbreakable loop with no viable solution. 

I kindly request that Discover Financial Services reconsider their policies and procedures surrounding the treatment of customers in situations similar to mine. It is crucial to acknowledge that individuals ' financial circumstances can evolve and improve over time. Relying solely on the presence of an existing account as the basis for denying credit card applications undermines the opportunity for customers to demonstrate their creditworthiness and benefit from the services and advantages your credit cards provide. 

I urge Discover Financial Services to take into consideration the following points, which highlight my qualifications and creditworthiness : My credit score of XXXX, which reflects a strong credit history and responsible financial behavior. 
Consistently making timely payments on all existing credit cards, indicating reliability and commitment. 
Being a loyal and responsible customer of several large credit card companies, further showcasing my ability to handle credit effectively. 
Given these compelling reasons, it is unjust to continue denying my applications for Discover credit cards solely based on the presence of my existing account. I kindly request that Discover Financial Services reevaluates their policies and procedures, allowing for a fair and comprehensive assessment of my creditworthiness and eligibility for Discover credit cards. 

I trust that Discover Financial Services will thoroughly review this matter and consider the impact of the unbreakable cycle created by the denial reasons. By adopting a more flexible and customer-centric approach, Discover can empower deserving individuals like myself to benefit from your credit products and services. 

Thank you for your attention to this matter. I eagerly await a favorable resolution that recognizes the need for fairness and flexibility in assessing creditworthiness. Please feel free to contact me if any further information or clarification is required. 
-- -- -- -- -- -- -- Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Fraud from XXXX hack was not handled properly after a lengthy back and forth with a chat representative. This left me with a negative balance of over {$400.00} on my cash app account I was told I owed although I had been scammed
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 15 USC 1681. 

XXXX XXXX XXXXXXXX XXXX # XXXX Wells Fargo Bank . 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 knowns or has reasonable cause to believe that the information is inaccurate. The following personal information is inaccurate, please remove XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX incorrect employer : XXXX XXXX
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/year>, I fell victim to a multi-layered scam operation run by XXXX - XXXX ( the Company ), which involved me making deposits for a total amount of XXXX ETH and XXXX XXXX, equivalent to XXXX USD from my XXXX account to fraudulent investment firm ( s ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a complaint to Capital One in XX/XX/XXXX stating that they had mad unauthorized inquiries on my credit report. I received a response without any notations as to how they concluded that I had authorized the inquiry. Capital One 's negligence has caused harm to my credibility and to my government clearance. Here are the dates of the inquiries : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Product: Debt collection

Recently I looked at a copy of my report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Below is the item I'm needing to verify as accurate. 

Hunter Warfield INC with an open balance of {$6000.00} Opened XX/XX/XXXX XXXX XXXX
Product: Mortgage

I am writing to formally file a complaint regarding an ongoing issue with Loan Care concerning a payment I made on XX/XX/XXXX in the amount of XXXX dollars. This payment was initiated through a draft from my XXXX XXXX account. 

Since making the payment, I have contacted Loan Care multiple times. They have repeatedly requested verification of the funds, and I have provided extensive documentation, including bank statements, screenshots, and transfer confirmation. Despite this, they claim my evidence is insufficient. 

I also had a conversation with a XXXX XXXX XXXX  manager, who confirmed that the payment was processed and cleared from my account. However, Loan Care has not credited my payment, which has adversely affected my credit score. 

Loan Care acknowledges that they received the funds but informed me that the payment was applied to another account. When I inquired about this issue, a representative stated, " We have people pay for other peoples accounts all the time. '' This explanation raises serious concerns about their payment processing procedures. 

I request your assistance in resolving this matter and ensuring that my payment is correctly applied to my account. Thank you for your attention to this urgent issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am appalled by the ablitity of the Credit Bureuas to ignore a consumer 's requests to investigate and correct the information being reported on my Credit report desite the countless dispute letters and CFPB Complaints I have been sending. I have read enough to understand my rights which is clearly being violated by the Credit reporting agencies. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$410.00} XXXX XXXXXXXX XXXX Balance Owed : {$750.00} XXXX XXXXXXXX Balance Owed : {$760.00} XXXX XXXX XXXXXXXX Balance Owed : {$600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

We had an insurance policy with XXXX. That policy was cancelled XX/XX/XXXX. Since then we had moved and did not get XXXX 's letter until XX/XX/XXXX. At that point we were handling the payment with XXXX. XXXX informed us we needed to contact Credit Collection Services and advise them it was being handled directly with XXXX due to charges that needed adjusting. 

XXXX reversed the account given to Credit Collection Services and the account was paid. 

I am showing that Credit Collection Services received the file XX/XX/XXXX. This was during the time it was paid to XXXX. We were not notified that Credit Collection Services still had the account. 

XXXX advised the account was given to Credit Collection Services and they issued a letter stating " External Collections has successfully been stopped. '' This should have been the end of the process. 

XX/XX/XXXX we got involved in purchasing a new home and put our current home on the market. We are set to close on our new home in 2 weeks and have put down a non refundable {$20000.00} deposit with the builder. As of XX/XX/XXXX, Credit Collection Services had not reported to the credit bureaus stating the account was in collections. Had we have known we would have gotten XXXX and CCS involved to resolve the matter since it has been completed with XXXX. 

XXXX XXXX I got an alert that a new collection account was reported. This report was for the total amount ( {$660.00} ) that was paid to XXXX and CCS stated they have had the file since XX/XX/XXXX. Our policy did not expire until XX/XX/XXXX and we handled the credits and payments with XXXX. 

I immediately called Credit Collection Services and advised we did not have an account with them and it was handled by XXXX and the account closed with no record on the report. CCS advised they would need to investigate with XXXX. XXXX has spoken with CCS on the phone and told CCS they needed to remove the collection on our credit report. XXXX has also issued 2 letters asking CCS to remove the reporting immediately. 

We have called CCS daily since reporting and they say it will be handled on their timeframe. The misreporting is causing a {$20000.00} loss and a home for our family.
Product: Student loan

My XXXXXXXX XXXX XXXX XXXX are showing canceled from XX/XX/2009 to XX/XX/2009. However, I do not see where the cancelation of these loans decreased my balance. I called Customer Service at XXXX and they said they canceled the loans so no longer their problem. So I called XXXX and they said because I consolidated the loans getting a cancelation afterwards I will still owe the full amount. I am not sure how that makes sense that the Dept. of Education got credit from XXXX but I am not allowed to get the credit past to me and still owe for the loans that are now showing as canceled. I need some help with clarifying this situation. I have my past credit report that shows the full amount of those XXXX loans before they were canceled.
Product: Payday loan, title loan, or personal loan

Incorrectly received delinquent account report affecting my credit. I paid {$140.00} on XX/XX/XXXX and it was due XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

We have a manufacturer waiting for a money to be transferred so they can continue the process to manufacture our merchandize. On XX/XX/2023, in a Wells Fargo sucursal sited on XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX we transferred {$10000.00}. 

We open a case here on XX/XX/2023 with case number : XXXX The case was closed but we never receive the money neither the recipient, and we never get a real answer about why the transaction was not executed and all this time the money has been on the cloud, not in our hands and not in the manufacturer hands, we have to pay interest for the money as it was from the line of credit from the same bank account but during all this time money was not actually in use by us, was complete lost. 

We have no other alternative to send the money again and we have no guarantee it will happen again as we were not informed what the issue was so we can't remediate it. 

The Wells Fargo company, after many calls hasn't been able to provide at least a reason for this situation blaming the bank they are using for the transaction, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I am extremely frustrated, distressed, and I feel like my requests are being ignored. Section 611 ( a ) says that a failure to investigate within 30 days is cause to immediately remove those items from my credit report it has been well over 45 days so everything should be deleted promptly. I demand these inaccurate items be removed immediately or I will be forced to take action via litigation due to the emotional stress you are causing me. My information has been impacted by the XXXX  breach and I feel my information may have fallen into the wrong hands. Please delete immediately.
Product: Checking or savings account

Received in mail on XX/XX/19 a windowed envelope that contained something that looked like a check. Opened it, and it is a new account reward voucher from XXXX XXXX that looks strikingly similar to a check, including a signature and everything. I don't think banks should be able to do this kind of marketing, because some people could actually tink this is some kind of check.