23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am filing this complaint against AMERICAN CORADIUS INTERNATIONAL LLC for furnishing false and misleading information to my consumer report as a means to bring harm to me and my financial reputation. This account is listed as a Charge off on my consumer report as shown in attached exhibit A. This is false and misleading. 

I am aware the definition of a Charge Off, pursuant to 7 CFR 1956.54, is The writing off of a debt and termination of collection activity without release of personal liability.

Im also aware that once a debt is cancelled, it now becomes gross income.

Pursuant 26 U.S. Code 61 ( a ) ( 11 ), Gross income includes income from discharge of indebtedness. 

Was a 1099-C filed on this account? If so, I never received one.

I am aware that a 1099-C must be mailed to consumers by XX/XX/XXXX the following calendar year in which the identifiable event occurs. If your company has mailed me a 1099-C, please provide documentary evidence, such as a tracking number, that proves I in fact received and was aware of a 1099-C. 

Knowingly furnishing this false and misleading charge off to my consumer report is a violation of 15 U.S. Code 1681s-2.

If AMERICAN CORADIUS INTERNATIONAL LLC has filled out a 1099c form and is continuing any kind of collection activity as defined under 31 U.S. Code 3711 ( e ) by performing any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, garnishing wages, pursuing litigation or foreclosure, you are committing tax fraud and should be reported to the IRS for a fraudulent financial gain. 

I am aware and I am invoking my right as the consumer to demand the money audit trial in accordance with 12 U.S. Code 5562 ( c ) ( 10 ). I would need this product of document material as documentary evidence in order to properly address this subject matter and without this documentary evidence there can be no validation of such debt. 

Furthermore, in order to validate the debt, please provide verification through audit certification of debt entry in accordance with GAAP, IRS, in accordance with Basel 3, and UNCITRAL conversions. 

If any of the above can not be provided, this account must be removed from my consumer report immediately to prevent further harm to me and my financial reputation.
Product: Credit reporting or other personal consumer reports

It was a data breach and my information was exposed. Because my information has been exposed to who no who and thats not safe. Thank you
Product: Credit card

On XXXX XXXX, 2015, I provided notice to citibank that a vendor charged my card without authorization. To date, the complaint remains outstanding. Last week, I was told an investigation had not even begun. Between XXXX XXXX, 2015 and the date of this complaint, I have contacted citibank by e-mail, by phone, and through their online secure messaging system - yet I still do not have resolution to this unauthorized charge.
Product: Debt collection

I have Sent several letter 's asking for XXXX XXXX to provide me with proof that the debt they are trying to collect is in fact mine, Made pursuant to the ( Fair Debt Collection Act and the ( Fair credit reporting Act ) First Letter 's were sent Certified Mail on XX/XX/XXXX allowing them 30 days to provide proof.. On the XXXX day following no proof i preceded to send a second set of letters Certified as well Mailed on XX/XX/XXXX to be exact .. I have followed the Law as provided by ( FDCA, & FCRA ) I have never done business with Keybridge and the Fact remains they have not provided me proof and as far i can see Such as my signature .. The HIPPA Law has been broken as this company should not now or ever have any medical information on any test i may or may not have done. I would like for them to remove any negative / derogatory comments they have submitted to the collection agencies as they are in violation of the FDCA/FCRA acts.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello and I hope you all are doing ok. Im reaching out to you all to let you know I went to apply for a XXXX with the bank and was not offered the XXXX because of my credit. They advise to me take a look at my credit to see whats going on and I did that I saw some items on there that I dont know nothing about XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX. I reached out to the FTC and filed affidavit. Im doing this on my own. I also saw where a few people ran my credit XXXXXXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

A charge off account is showing on my report & the creditor told me that I can not get a copy of the 1099-C document because they did not officially charge off the debt and they didn't take a write off which is a violation because it says on my credit report that it is charged off which equates to false reporting & not reporting 100 % accurately. FCRA violations refers to a violation of the Fair Credit Reporting Act, which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports. If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter are not 100 % correct and I demand them to be investigated completely.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle.

The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle.

The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX Equifax Information Services LLC XXXX. XXXX   XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle.

The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
Product: Credit card or prepaid card

On XX/XX/2021 I mailed ( mail number XXXX ) an affidavit of truth stating facts, under the penalty of perjury, what consumer violations EXETER FINANCE committed. I also requested Debt Validation pursuant to 15 USC 1692g, an audit trail according to GAAP standards, a Cease and Desist letter pursuant to 15 USC 1692c, and exhibits that displayed only a few of the many EXETER FINANCE VIOLATIONS. I filed a CFPB complaint ( XXXX and XXXX ) and an FTC complaint ( XXXX ) in regard to this matter. I filed a complaint with the OCC ( Transaction ID : XXXX ) as well.The mail I sent to EXETER FINANCE was received on XX/XX/2021. EXETER FINANCE did not validate the alleged debt whatsoever. They still have not produced any documentation, contract or agreement that validates this alleged debt as of XX/XX/2021. They violated my Cease and Desist by not only calling me at unusual times and places, but also leaving me voicemails using profane and obscene language. My phone number is in the do not call registry. EXETER FINANCE mailed me postcards and billings to my personal address after receiving the cease and desist letter. and EXETER FINANCE further infringed upon my natural born consumer rights by still reporting to consumer reporting agencies in violation of the cease and desist and without validating this alleged debt. It has now been almost 60 days to which this company has been notified of their violations and instructed in my enforcement as the consumer and original creditor. They refused to provide paperwork for the rights to rescission as outlined in TRUTH IN LENDING ACT. There is no contract or agreement between myself and EXETER FINANCE. They stole my identity, committed fraud and are illegally billing me without my consent. They are in violation of 15 USC 1601 TRUTH IN LENDING ACT, 15 USC 1681 FAIR CREDIT REPORTING ACT and the 15 USC 1692 FAIR DEBT COLLECTION PRACTICES ACT. If EXETER FINANCE feels otherwise then they should have the President, owner or major shareholder swear under the penalty of perjury that what is true or untrue. It has been past 30 days without validation and the infringement of my rights continues to this day and is causing me great pain. EXETER FINANCE recently reported to the credit reporting agencies and defamed my character in direct violation of federal law. I have a right to privacy, fair, accurate reporting and fair debt collection practices. I demanded proof to this alleged debt, to which nothing has been provided. EXETER FINANCE is blatantly, and unequivocally, disregarding federal laws, being willfully non-compliant and being grossly negligent in many instances.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item ( s ) listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified.

Section 616 and Section 617 provide me with remedy which Im about to seek. You are willful noncomplying with the FCRA.

Since you claim youve verified the account ( s ) listed below I wanted to confirm my thoughts and contacted the companies directly. Not one of them provided me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/2014 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: Student loan

Please reopen my complaint XXXX as the XXXX 's response to that complaint in unsatisfactory. It is impossible for my monthly payment amount to increase when the principle is declining, the interest rate is fixed and there were no missed payments. I am certain that XXXX lacks the controls to apply my payments incorrectly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried telling the credit bureaus that this information on my credit report is incorrect ( see attachment ). Even though I followed the proper procedures multiple times they just sent back that it was verified, as if they didn't even look at the evidence that i sent them. The high credit is wrong, the date last active is wrong, the date of last payment is wrong, and its showing a balance even though the payment status is collection/charge-off. This is all a direct violation of FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Date XX/XX/XXXX XXXX  XXXX XXXX, amount XXXX 2.XXXX XXXX XXXX account XXXX Date XX/XX/XXXX amount XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX paid, XXXX XXXX  XXXX  date XX/XX/XXXX, XXXX XXXX XXXX  date XX/XX/XXXX, XXXX date XX/XX/XXXX, XXXX  date XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX date XX/XX/XXXX XX/XX/XXXX, XXXX date XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX  XXXX  XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX  XXXX XXXX XX/XX/XXXX I have so many. Wrong names XXXX XXXX XXXX XXXX XXXX, Dept of Ed/ XXXX XXXX XXXX Date XX/XX/XXXX amount paid.XXXX  XXXX  # XXXX XXXX XXXX XXXX XXXX  # XXXX Date XX/XX/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, These are the dates requested XXXX
Product: Credit reporting or other personal consumer reports

I received a credit monitoring alert on Monday XX/XX/year> that my credit report was accessed by : XXXX XXXX XXXX. 

I did not authorize nor did I apply for any credit form this company.
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 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 XXXX XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

XXXX applied for financing for a new vehicle. We were told we were approved yo which I verified more than once with approving bank. We were told the interest rate, agreed on down payment, agreed on trade in amount. 
I asked them for manufacturer discount for being XXXX veteran and was told no. 
The dealership used high pressure tactics and told us deal was only good through XXXX. I explained that my wife is a XXXX XXXX and had to work but could come to dealership XXXX. We were again pressured to go to dealership by XXXX. We went to dealership XXXX. We signed a contract, paid our cash down payment, left our trade in and drove new car home. 5 days later the dealership called and frantically told us that we needed to return the car. They didnt say a word about returning our down payment or trade in. They said either return the car or finance through the manufacturer at a much higher interest rate. The dealer did not disclose the buy rate or other banks that would finance us. The only option was to finance through manufacturer at much higher rate and we were told this had to be done immediately. We felt enormous pressure to sign new contact out of fear of losing new car, losing down payment, losing trade in. To us, the dealership did a classic Yo Yo finance scam. They completely took advantage of me and wife knowing that we have good income and knowing we were getting car for our daughter. Now our monthly payment is considerably higher and the amount paid through end of loan is much more. They also tried to sell an extended warranty which we refused but as we were walking out of finance office we were told car has lifetime powertrain warranty if we brought car in for annual inspection. High pressure, deceptive tactics, Yo Yo scam. Told by sales manager to refinance it if we didnt like loan terms with manufacturer. Shameful behavior. Finance guy is very dishonest and should not be working in a position of trust.
Product: Checking or savings account

On XXXX XXXX, 2021 - USAA decided to close my checking account that I've with them for over 9 years due to due to a negative balance that they did not give me a chance to clear or make payments on, they just closed my account. ( So much for loyal valued customer ) On XXXX XXXX an ACH deposit was made in error to that closed account. USAA then decides to reopen the account to accept the funds and apply it to an " over 60 days CLOSED - CHARGED OFF ACCOUNT. '' I called in on XXXX XXXX to find out the nature of the deposit and when I contacted the sender I was advised that the funds would need to be returned as the deposit was submitted in error. " As long as the account is closed then the bank would reject the deposit, and everything would even out '' stated the call center representative of the sending account. I immediately called USAA and they REFUSE to return the deposit. I've been on the phone for over 5 hours and counting, instead of disconnecting the call they keep transferring me back into the call que to start over from scratch with a new agent. Not one time has even a supervisor made an attempt to call me back when the call " drops '' so I just keep going in circles. 
I've been given what I'd like to call " false solutions '' just to get me off the phone ( such as my request has been fulfilled ; it will be processed ; it can not be processed ; the deposit has to post ; the deposit has already posted to the account ; they are unable to reject the deposit ) but every time I request for these " solutions '' to be submitted in writing and uploaded to my account ( a service USAA does ALL the time ) all of a sudden no one can put it in writing. 
It seems USAA is abusing their right to accept deposits after an account has been officially closed and charged off. This is also a first-time deposit NOT a reoccurring deposit there no reason this deposit should've been accepted on a closed account. If the customer is requesting for the deposit to be returned to sender, it can be honored and should be honored.