23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, California XXXX XXXX XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Complaint against Financial Corporation of America Dear Sir/Madam , I am writing to formally file a complaint against Financial Corporation of America for unfair billing practices. 

Account Information : - Account Number : XXXX - Type of Account : Credit Incident Details : I received your notice dated XXXX XXXX, stating that I owe a debt amounting to {$1300.00}. I believe this debt is in error, and I have no knowledge or record of owing this debt to the original creditor, XXXX XXXX XXXX. I request that you provide me with a validation of this debt, including the amount and details about the creditor. 

I have also consulted with my attending XXXX, XXXX She, regarding this matter. XXXX She has confirmed that there is no such charge required for the service and that she will not be charging any additional fees. Her statement contradicts the bill I have received, further questioning its legitimacy. 

Resolution Sought : I kindly request your assistance in removing this unauthorized bill from my account as soon as possible. 


Attached Documents : I have attached to support my complaint. 

I kindly request your immediate attention to this matter and look forward to your prompt response. Failure to adequately resolve this issue will leave me with no choice but to pursue further legal action. 

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

I call XXXX today XXXX XXXX and they said they wasnt re - investigating Very rude and unprofessional Here the Steps XXXX. Sent numerous Disputes letters stating that this information False and inaccurate to no available the credit bureau ( XXXX XXXX, Equifax each time came back verified .Ask for Methods of Verification- burden of proof And the name of the Person that provided the verification and they ignored each request they Start sending stall tactics letters.XXXX XXXX Equifax are trying to stall me hoping that I will stop. XXXXFiled a complaint CFPB complaint -came back verified no action taken by you guys. XXXX .Filed a complaint with my State attorney General office. XXXXContacted the original collection agent to verify what they had in theirs files and that investigation was NEVER done. XXXXXXXX XXXX XXXX Equifax XXXX as last resort before I Sue them.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I have recently been informed that there is negative information reported by XXXXXXXX XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing BELOW IS everything I sent to all 3 credit bureaus they still placed this child support on my credit report : XXXX. XXXX XXXX. Equifax XXXX. XXXX 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act Federal Code 15 U.S.C 1681 ( 2 ) ( a ) ( I ) ( 2 ) Exclusion Of All Transactions Federal Code 15 U.S.C 1681 ( b ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates. CRAs need written instruction to make a consumer report by the consumer. 

Federal Code 42 U.S.C 1301 ( d ) ( d ) Nothing in this chapter shall be construed as authorizing any Federal Official, Agent, or Representative, in carrying out any of the provisions of this chapter, to take charge of any child over the objection of either of the parents of such child, or of the person standing in loco parentis to such child.

15 USC 1681 Section 604 ( a ) ( 2 ) : Also states a consumer reporting agency can not furnish an account without my written instructions under : 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

( THIS IS ON XXXX WEB SITE ) ***Important Notice*** Credit Reports for collection of delinquent child support, judgments, fines and liens may no longer be permitted Case Law : Kevin D. Miller v. Trans Union LLC , Experian Information systems , Inc. and Supportkids, Inc. , Case 1:06-cv-02883, 2/28/2007 ( N.D. Illinois ) ; Kenneth McCready vs. Linebarger Goggan Blair & Sampson, LLP , et al. , Case : 06 C 4884, 8/15/2007 ( N.D. Illinois ), Maria E. Pintos v. Pacific Creditors Association , Experian Information Solutions , Inc., No . 04-17485, D.C. No . CV-03-05471-CW, 9/21/2007 ( 9th Circuit Court of Appeals ). 

I DID NOT GIVE ANY CONSENT ; THIS IS IDENTITY THEFT
Product: Debt collection

I saw a collection account on my credit report from Convergent Outsourcing for {$120.00}. The debt showed that it was for XXXX and I still had an active XXXX account. I called XXXX to see if I owed them anything, since no letters were ever received from XXXX, and they told me no. My account is up to date and I have {$0.00} balance. Since then I started a long journey of trying to remove the collection account from my credit. I called Convergent Outsourcing more than 100 times since I started and every time they told me I have to pay and would just hang up. I was able to get to a higher department and we had a 3-way call with XXXX where XXXX collection dept confirmed I did not owe anything. However, they said they did not care and I still owe the money. I was out of options as they are very rude every time you call them and do not want to cooperate with me at all. On XX/XX/2022 I sent an oficial debt validation letter to Convergent Outsourcing and received NO response at all. At this point they are breaking the law Under the Fair Debt Collection Practices Act ( FDCPA and I am demanding for this collection account to be removed from all 3 of my credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act 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
Product: Mortgage

Di Tech has done several things to make it difficult to be a good customer. One, when making a payment by phone, they will not immediately apply the payment amount, especially if you call on the due date, they will take as long as seven days to apply the amount so that they can collect late fees. Another, we wanted to get back on a bi monthly payment schedule that Di Tech discontinued when they acquired our account from Green Tree, in order to do that, you need to pay one month in advance. We did that and they misapplied our payment to the escrow account, and they refuse to correct this issue. One thing led to another and now they are reporting us as delinquent on our mortgage payment. When we talk to a representative, they deny there are any issues, the mail and the credit report says otherwise. We are working on getting Di Tech out of our lives but I would like to see them straighten out this mess and remove the derogatory information in our credit report.
Product: Checking or savings account

Bank of America is not willing to help me retrieve my funds totaling over {$12000.00}. They insist that there is a time-frame in which they are able to help me and I am outside that time-frame. I have sent documents explaining the fraudulent scheme of the merchant which explains this time-frame but Bank of America refuses to look over the documentation.
Product: Money transfer, virtual currency, or money service

My Coinbase.com account has been restricted for no reason. I am unable to purchase any cryptocurrency. I have contacted Coinbase Customer Support since XXXX XXXX, 2017 with zero responses. I have contacted them multiple times and via different routes but still no response or action on their behalf to unlock my account. Please advise what I should do as they have my personal information, IDs, and credit cards on file. Thanks in advance
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX information was not being processed correctly, i was advised last payment would post accordingly without causing a late fee. But that was not the case once the pymt was posted. causing my prefect pymt history to suffer a late fee. ALL ACCOUNT INFORMATION NOT BEING REPORTED CORRECTLY WITH ALL CREDIT AGENCIES. THE ACCT WAS AREEGED UPON TO BE DELETED UPON PIF.
Product: Credit reporting or other personal consumer reports

The late payment in question is reported by [ Creditor 's equifax ] for the period of [ insert date of late payment ]. I believe this information is incorrect and does not comply with the requirements outlined in the Truth in Lending Act ( TILA ), specifically section 1637 ( b ) of Title 15, which mandates that creditors provide accurate and complete information regarding the terms of credit, including payment history.

Furthermore, according to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2, furnishers of information must report accurate details. The late payment reported does not reflect my true payment history, and I request that you investigate this matter in accordance with 15 U.S. Code 1681i. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX According to my credit report, these creditors have been reporting since XXXX, and XXXX. My reports should be clear, and accurate according to the fair credit act 15 U.S. Code 1681a, the report is only good for 7 years after the first delinquent payment is reported. The creditor does not have the right to report a transaction without the permission of the consumer, and the consumer should not be subject to their reputation harmed by incorrect credit reporting practices, I request that these companies remove their negative reporting from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed account # 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  Trans Union and XXXX deleted all 3 accounts and added them back to my credit report after it was deleted. This is against FCRA RULES. This is defamation of my character, my personal Characteristics, and my general mode of living. I shouldn't have to file this many complaints against these companies. According to THE FCRA and the FTC, it is their duty that these companies report accurate and precise information to my consumer report. I want all 3 of these accounts deleted from MY CONSUMER REPORT because they were already deleted. I attached the paperwork sent to me from Trans Union and XXXX with these accounts deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I only applied for XX/XX/XXXX onXXXX and XXXX XXXX XX/XX/year> everything else is fraud. I did not give permission or apply at those other institutions. Please remove. 
Also onXXXX someone tried to use my name to buy a car. i called XXXX XXXX XX/XX/XXXXlease which is on my report and they said they have no way to track and see who did it. 
I also have police reports and letter of breaches from several companies like my pharmacy and insurance co where my info was compromised.

I only had 2 inquires in the past 3 years.

Thank you
Product: Credit reporting or other personal consumer reports

IT HAS COME TO MY attention THAT THE CHARGE-OFF IS BEING MONTH AFTER MONTH ON MY PAYMENT HISTORY, WHICH IS INCORRECT.ACCORDING TO THE [ FCRA ] NEGETIVE INFORMATION SUCH AS A CHARGE-OFF SHOULD ONLY REPORTED ONCE THE FCRA requires THAT CREDIT REPORTING AGENCIES ENSURE THE ACCURACY OF THE information THEY REPORT [ 15 U.S.C 1681 e [ b ] repeatedly REPORTINGING THE CHARGE-OFF EACH MONTH results IN A misleading AND inaccurate credit report. Which has significantly harmed my credit score the first delinquency that led to the charge-off { 15 U.S.C. 1681C { A } [ 4 ] continuously REPORTING THIS CHARGE-OFF AS A NEW EVENT EACH MONTH DOES NOT RESET THE STATUTE OF limitations AND IS IMPROPER PLEASE request THAT YOU promptly investigate THIS account AND correct THE inaccurate information BY removing THE repeated entries OF THE CHARGE-OFF FROM MY payment history .PLEASE UPDATE MY credit REPORT XXXX
Product: Credit card or prepaid card

Someone opened an account with Kikoff Lending that I know nothing about. I only know about it because it has made my XXXX XXXX drop over XXXX points. When you call kikoff, they have an answering machine that says to send them an email but no one responded to my email. The account is XXXX  days behind and it started in XXXX but I didn't notice it until it negatively effected my credit score. From what I can tell, it's only a {$24.00} debt. From what I read this company is supposed to help people with low credit improve their credit scores. All XXXX of my credit scores were over XXXX so I wouldn't have applied for that type of service.
Product: Credit reporting or other personal consumer reports

Despite several attempts to resolve this issue, the inaccuracies persist, and I am seeking further assistance to address this matter. This was my third time to reach out for help in rectifying these issues. I have diligently pursued the correction of the late open accounts on my credit report. I have submitted disputes, provided supporting documentation, and engaged with creditors and credit reporting agencies to address these inaccuracies. However, despite my efforts, the late open accounts remain on my credit report, negatively impacting my creditworthiness and financial standing. This persistent issue has caused significant stress and hardship. It is imperative that these inaccuracies are promptly corrected to ensure the fair and accurate reporting of my credit history. 

Enclosed with this letter, you will find copies of all relevant documentation submitted during the previous attempts to correct the late open accounts. I respectfully request that you will help me conduct a thorough investigation into this matter and take appropriate action to rectify the inaccuracies. Kindly help me correct these accounts immediately : XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX Balance : {$200.00} ; XXXX XXXX Balance : {$0.00}.
Product: Debt collection

IC SYSYTEMS CONTACTED ME, XXXX XXXX, AT WORK TRYING TO COLLECT A DEBT FOR XXXX XXXX IN MY HUSBANDS NAME. WE RETURNED THE EQUIPMENT AND PAID THE BILL. CALL CAME FROM XXXX
Product: Debt collection

This company offered me a payoff settlement in 2015 for 50 % of the amount owed. The problem was they sent it to the wrong address so I never received the offer. They purchased a HELOC loan so I 'm not sure why they would n't have sent the letter to the address associated with the mortgage.
I tried to get a new settlement offer this year and they asked me to submit financial information and also complete their settlement application. Upon reviewing my application, they offered me a payoff " settlement '' for 99 % of the amount they say is owed, which is comprised of the original principal amount ( $ 44k ) plus an additional 50 % of the original principal amount in just late fees and interest. They purchased my debt from another company and have continued charging me interest even though the original contract states that I am to receive a statement for every period in which a finance charge is assessed. They have never complied in that aspect and are unwilling to work with me to help settle my debt.
In addition, they are reporting my account to the credit bureaus as a mortgage account instead of reporting themselves as a debt collector.
Product: Vehicle loan or lease

On XX/XX/XXXX a vehicle financed with Ford Motor Company was stolen and considered a total loss by XXXX XXXX. XXXX XXXX requested several documents to initiate the GAP claim and relied on the information provided by Ford Motor Company. Ford Motor Company provided documentation that I, XXXX XXXX requested XXXX payment extensions on the auto loan, therefore XXXX XXXX only paid out {$7900.00} and there was a remaining balance of {$1400.00}. 

XXXX requested 2 loan modification extensions but only received 1 loan modification extension which changed the loan payments from 60 months to 61 months. 

Ford Motor Company was made aware that incorrect information was provided to XXXX XXXX, however failed to set the record straight. From my understanding of the situation a representative stated in the notes of the financial record that XXXX did receive XXXX loan modification extensions. 

Today, XX/XX/XXXX I was made aware that a demand letter was mailed on XX/XX/XXXX, however I did not receive any prior written communication regarding a demand letter. No certified proof of mailing was able to be provided by the company. 

A complaint was filed against XXXX XXXX XXXX XXXX to provide accurate information regarding the record of the loan. Based off the information that Ford Motor Credit Company has provided, XXXX XXXX XXXX XXXXXXXX has responded with incorrect information that XXXX has received XXXX loan modifications. 

Ford Motor Company employees have failed to clarify the financial record which has resulted in an underpayment from XXXX XXXX GAP insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and I immediately placed fraud alerts on my credit. After days of spending hours on the phone each day, I decided to do a freeze in hopes this may slow down the fraudulent applications and lesson the serious burden on my time. XXXX accepted the freeze but only until XX/XX/XXXX. XXXX XXXX denied the freeze because I already had an alert but charged me and sent a confirmation the freeze was placed. Experian wont accept the request and instead wants me to package up highly sensitive personal information and mail it to them, which is highly risky and frankly idiotic. Its irresponsible and reckless for them to require this.

So all 3 bureaus have turned what should be simple for the consumer to request into a circus of incompetence!

I did nothing wrong, yet all the burden has fallen on me. The bureaus should be required by regulation to make this process seamless, secure and supportive to the consumer. Experian offers zero phone support. I tried working through their IVR for an hour and all you can get us a recorded message. This is not acceptable! I am trying to protect myself, which also protects creditors and the health of our financial community. It should not be so difficult, burdensome, and financially draining! All I want is my Credit frozen!! Why wont someone help me!
Product: Credit reporting or other personal consumer reports

I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED MORE ACCOUNTS BEING REPORTED THAT I HAVE NO KNOWLEDGE OF, NOR DID I GIVE PERMISSION TO BE FURNISHED TO MY CREDIT REPORT. 

I'VE CONTACTED THE CREDIT REPORTING AGENCIES REQUESTING THESE ACCOUNTS BE VERIFIED AND THEY ARE UNVERIFIABLE. THESE ACCOUNTS BEING REPORTED TO MY PROFILE ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN CREDIT. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Credit reporting or other personal consumer reports

I have requested Experian to investigate the collections on my credit. However they have not properly invested my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last XXXX years, I have asked TransUnion, XXXX, and XXXX to delete a charged-off account that I have with XXXX XXXX because they keep re-aging it, which is a violation of the FCRA. However, instead of removing the account based on their inaccurate reporting, they keep re-aging and reporting the account with the same factual error ( re-aging ) which is a violation of the FCRA. This account 's date of last activity was on XX/XX/2020. Yet, XXXX and TransUnion keep moving the the date of last activity to every month, including this one, and XXXX moved it to XX/XX/2020 and has never bothered to correct it. I have sent letters to all three bureaus almost every month for the last year requesting the account to be remove. Yet, they have ignored my requests and keep re-aging the account in violation of the FCRA. The date of last activity determines how long an account will stay in my credit report. By re-aging this account they are repunishing me over and over again and the account will never drop off my credit report.
Product: Checking or savings account

I transfered banks due to the fees and got a letter in the mail saying I owe XXXX and some dollars they said they can't fix it
Product: Credit card

Take a look at the attached documents. I want the bureau to start an examination into these accounts, as I am never tardy, yet they are incorrectly recording me as such.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with the consumer finance department in XX/XX/XXXX regarding a XXXX  XXXX Bankruptcy on my credit report. The XXXX is not mine. I have a XXXX  XXXX from XXXX Transunion responded with they have deleted the account. I look on my transunion account and its still reporting. So I disputed this with transunion again on XX/XX/XXXX within XXXX XXXX  they come back saying its verified. How is it verified what verification did you do in XXXX XXXX  and it took this company over XXXX  days to investigate my complaint with consumer finance. This credit bureau is not investigating or reporting accurate information theyre lying about looking into disputes
Product: Debt collection

XXXX lists both Northeast Credit and Collect ( NCC ) and Commonwealth Financial Systems ( CFS ) as holders of an alleged collection account. XXXX still shows NCC as holder. ( see attached ). I have requested, in writing, verification of debt and have not received my dated signature for this debt. I have received a BLANK form letter for collection which is not verifiable validation of the debt, see attached. This alleged debt is dated for origination in XXXX of 2009. Per statutes, such debts, alleged or otherwise, are no longer collectable.