23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Viva Finance INC . According to my credit report, Viva Finance INC has filed a charge-off in the amount of {$5200.00}. In light of this, I am writing to express my concern about the lack of proper documentation associated with this charge-off and to bring to your attention a potential violation of the Fair Credit Reporting Act ( FCRA ).

As per my understanding of IRS regulations, when a creditor charges off an amount owed by a customer, it is required to issue a Form 1099-C to the debtor. This form is crucial for accurate reporting of income and compliance with tax regulations. To date, I have not received any such form from Viva Finance INC, and I am concerned about the potential repercussions of not having the necessary documentation for tax purposes.

Moreover, I believe that the lack of documentation from Viva Finance INC may constitute a violation of the Fair Credit Reporting Act. The FCRA mandates that accurate and complete information be reported by creditors, and failure to provide essential documentation may result in inaccurate reporting on my credit file.

In light of the above, I kindly request that you investigate the matter and ensure that Viva Finance INC provides the necessary documentation, including a Form 1099-C, related to the charge-off on my credit report. I am seeking clarity on the validity of this charge-off and require the proper documentation to fulfill my tax obligations.

Please provide me with updates on the status of your investigation and any steps taken to rectify this matter. Your prompt attention to this request is greatly appreciated, and I trust that you will take the necessary measures to ensure compliance with the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent my first letter to the credit bureau about this account ( XXXX XXXX ) and I have not received a response. It has been 4 months and I have sent a letter every month since. They have had plenty of time to investigate and validate this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending letters to all three credit bureaus since XX/XX/XXXX. For my student loans my statue of limitation date are different on all three credit bureaus. Date of last activity, date opened are different across all three credit bureaus is a FCRA violation. Due to multiple FCRA violations, please delete! The statute of limitation is different from all three credit bureaus, XXXX is showing that the last payment was XX/XX/XXXX, but Experian and XXXX show last payment was XX/XX/XXXX, that doesnt make sense. The late payment history is not correct, according to the two-year payment history XXXX and Experian shows that I was 30 days late in XX/XX/XXXX, but XXXX shows I was 30 days late in XXXX of XXXX. It also shows that I was 60 days late for the month of XX/XX/XXXX on XXXX and Experian, but XXXX shows I was 60 days late XX/XX/XXXX. This is incorrect and my payments should be updated to current since the information is in violation of the FCRA. I even sent them copies of my credit report to show proof and all they say is its validated but it is incorrect information reporting.
Product: Credit reporting or other personal consumer reports

PLEASE SEE ATTACHED TransUnion is asking me to send personal Documents to Identify Me TO MANY TIMES I cam not keep sending this ATTACHED
Product: Debt collection

I sent out an Affidavit of Truth on XX/XX/2021 which was ignored and/or answered incorrectly. I then sent out a second notice, Notice of Default and Attempt to Cure, on XX/XX/2021. 

My rights under the FDCPA have been violated and this company has committed fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score was downgraded from Excellent to Vey Good without justification ; the only explanation I received was a long generic meaningless paragraph about algorithms. There was no significant change in my financial situation in XXXX when they reduced my score by 45 points, so I believe that this modification was completely arbitrary and have the right to get an accurate reply to my question. To make it clear I want to know how my credit score was calculated for Excellent and how it was calculated for Very Good and what factor was used to suddenly decrease it by 45 points. And what is the reason it stayed at that level when there are no significant changes in my financial situation. 
I am attaching a screenshot of my credit history.
Product: Credit card or prepaid card

Equifax has been non-compliant with removing the unverified account Bankruptcy Discharged which has been deleted by XXXX  and XXXX. XXXX and XXXX  have both completed their research and determined that Bankruptcy Discharged was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Product: Mortgage

On XX/XX/2023 at approximately XXXXXXXX XXXX. A notary public from XXXX XXXX XXXX, came to my construction site at XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX to close out XXXX of my properties listed as XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX. The XXXX statement shows we closed at the XXXX location XXXX ( See Ex. # XXXX ). The XXXX XXXX had XXXX XXXX come out with only one set of Documents for my signature. I requested and asked forthe copy and was informed that a complete copy would be given to me after she ( XXXX XXXX returned to the office and made copies and a carrier would return the same day and bring me the copy of the signed documents. The Title company never returned and I did not have a complete copy of my signed documents. Eight days later I reached out to my contact, XXXX XXXX and explained to him I don't have a copy of my documents, and he said the Title company would mail them, I informed my cntact that I would file a formal complaint with the Texas and Federal authorities. I received what appears to be a complete copy of my documents on XX/XX/2023. ( See Ex. # XXXX ). Also attached is ( XXXX # XXXX ) Text messages from my contact XXXX XXXX. The package I received contains missing pages and does not contain all of the pages that I remember signing on XX/XX/2023, My loan was sold to XXXX. ( See Ex. # ) XXXX is attempting to force me to keep a Escrow account, that I insisted on not having when I closed with XXXX XXXX XXXX XXXX Page 1 of my Note, states {$880.00} ( See Ex. # XXXX ) I have paid my Taxes & Insurance for 20 years. I did not receive all of my closing documents. I do not want a Escrow Account. Respectfully, XXXX
Product: Credit card

XXXX and Citibank opened an account for the XXXX by Citi without my consent. They transitioned the balance from my XXXX XXXX card to that account without approval. I never received a card or a bill for the account. Then they began charging me with late fees and interest. I have contacted them and requested they credit all late fees and interest. They have agreed to credit XXXX charges but would not credit the remaining {$75.00} in charges. I have paid the charges for any purchases I have made but not the late fees and interest.
Product: Money transfer, virtual currency, or money service

Lookout Request : Fwd : Sorry, Your Account Has Been Iocked [ # XXXX ] From : XXXX XXXX XXXX XXXX Sent : Saturday, XX/XX/2021 XXXX XXXX To : XXXX XXXX Subject : Fwd : Sorry, Your Account Has Been Iocked [ # XXXX ] Get Outlook for Android From : Coinbase XXXX Sent : Saturday XXXX XX/XX/2021 XXXX XXXX To : XXXX XXXX Subject : Re : Sorry, Your Account Has Been Iocked [ # XXXX ]
Product: Credit card

i took my car to a repair shop that damaged my car and i paid with discover credit card and are not taking the dispute in my favor after sending them many proof and damages and pictures i dont know what to do else
Product: Credit reporting or other personal consumer reports

I have sent validation letter days ago to ensure that inaccurate items are not being reported on my credit report. Upon checking, I am met with disappointment as your company continuously violates the law.
Product: Checking or savings account

On XX/XX/XXXX, I called Wells Fargo to make payment arrangements on a credit card I had not paid at this time I was told I was in default with one of their affiliates and Wells Fargo did not want to work anything out with me a telephone transferred funds from 2 of my  accounts on XX/XX/XXXX without my permission, the amount that was transferred was more than enough to correct any default or late fees on the Credit Card. I was so angry at this time I closed all accounts I had with Wells Fargo and paid additional fees to close the accounts. When this money was removed from my account it caused me to default on other creditors and never to recover from this. The amount Transferred was XXXX plus late fees and overdraft fee totaling over 7000.00, This  was a personal attack on me. 

I asked what affiliate I defaulted with never got a answer the only other account beside Personal checking and Business checking account was HELOC and I never defaulted with that. 

I wrote a letter and called customer service in XX/XX/XXXX about the money that was removed and was informed again they had the right to offset the account. 

I was informed by the executive offices this year XX/XX/XXXX the account the money was transferred to was charged off in XX/XX/XXXX, I never received any notices about a charge off or a credit report that showed a Charge Off. 

I have been in contact with the executive offices on or about XX/XX/XXXX and the end result has been the same they had the right to offset.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters and affidavits to all 3 credit bureaus XXXX, Transunion, and XXXX all for the violation of 15 USC 1681b ; furnishing a consumer report without consent of consumer. I have sent supporting documents of these US code that is backed by the supreme court which has authority over any state. Each of these bureaus have failed to acknowledge my request to remove accounts from my credit report. I am requesting that something is done about the actions I have taken to handle these matters
Product: Credit card

Today on XXXX XXXX, 2016 @ XXXX XXXX I received a phone call at my work number from a representative of Discover Card named XXXX. She is calling me because I have not made any payments on my Discover Card since XXXX 2016, and I informed her that I had turned the account over to a management company. She asked me if they were a credit counseling agency or a debt consolidation agency. My response was " they do both, and I do not wish to speak with you further because I contacted your office in XX/XX/XXXX to try and help me lower my payment or rate and you refused to do anything at all '' and she stated " I am sorry about that but now that you are behind we have things that we can offer you, however if you are working with a debt consolidation company we absolutely do not work with them we do not consolidate our debts and we will hire an attorney to come after you if the debt goes into default and the consolidation company offers us a settlement which we will take and then have the attorney come after you for the rest of the money owed at which point your credit will be ruined. I am angry with this attitude. I was a loyal customer who paid on time, and I attempted to negotiate with each of my credit accounts when I realized that my income was being adjusted temporarily. They all refused to work with me in any way Discover, XXXX XXXX, XXXX, and XXXX. Now that I have updated my contact information with the phone number of the XXXX XXXX XXXX management company everyone including Discover is calling me at phone numbers that are not longer listed on my account. I want a letter of apology from Discover card for their unfriendly attitude with consolidation debt companies, and an acknowledgement that they will work with them on my account! Discover can provide you with the date and time of conversations that I had with the credit representatives in XX/XX/XXXX where I tried to communication with them of upcoming financial burdens and they absolutely refused to offer anything prior to my credit becoming ruined. I believe I was being a responsible consumer, and Discover showed prejudice and turned their backs and now are threatening me with intimidation simply because XXXX XXXX XXXX may not offer them all they money they want.
Product: Debt collection

I recently reviewed a copy of my report and I was shocked to learn that I have been a victim of identity theft. I found this account on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid Arcadia Recovery collections on XX/XX/2020. My account is reported every month and was reported as a Collection on XX/XX/XXXX and XX/XX/XXXX even though it was paid. I also disputed the balance with XXXX  and XXXX. Arcadia will not report this collection as paid and told me I had to wait 60-90 days. I cant get approved for my house and am living from place to place until this collection is reported as settled so I can get my mortgage pre-approval. Arcadia is making me wait 3 months ( 90 days ) and I just want to move into a house. Please see if Arcadia can report this account as paid or settled, please.
Product: Debt collection

I took out a loan with Money Key for {$1000.00} in XXXX of 2016. I became delinquent on the loan. I recently pulled a credit report and found that I had a collection account reported on my credit file from XXXX. I never received any communication from XXXX XXXX that the debt was being handled by them not any information on how the amount got to {$1700.00}. I contacted XXXX who advised that they sent a notice in XXXX 2016. I advised them that I never received any communication.
Product: Credit reporting or other personal consumer reports

This letter is my final communication regarding your claim that the information below has been verified and that the information being reported by the furnishers is accurate. 

XXXX XXXX with account number XXXX. This is reporting incorrectly. This account is paid off. 
XXXX XXXX XXXX with account number XXXX I have repeatedly asked for evidence to support your reporting, but you have failed to provide me a copy of valid and viable evidence provided by the above-named furnisher ( XXXX ). 

Furthermore, I have requested your method of verification and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ).

In the absence of any such documentation, I demand that this information be immediately removed from the credit file you maintain under my Social Security Number.

Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617.

Please see the attached dispute letter sent over 6 months ago which is dated and time stamped.
Product: Prepaid card

I recently received a refillable prepaid XXXX card in the amount of {$25.00} as a gift from work. After 10 days I was billed {$5.00} as " monthly management fee ''. My complaint is, how can a credit card company charge such high fees just for providing the card? On a {$25.00} card that 's like 100 % interest per year ( maybe more )! This is on top of the fee that they charge the company where you use the card ( usually 2 percent I think ), and the fee charged when you purchase the card ( usually around XXXX dollars ). How can the government allow such usury rates to be charged by creditors?
Product: Debt collection

I receive a garnishment from Kramer and Frank for {$7400.00}. The judgement from XXXX/XXXX/09 with original judgement amount {$4300.00}. It stated that XXXX XXXX is the creditor and I havent ever had account with XXXX XXXX, I dont even know what type of creditor XXXX is. I dont think that this is my account. I contacted Kramer and Frank and they refuse to give me any information on this. And another thing why did it take them 8 years to contact me I have been in the same position for the last 10 years at XXXX XXXX and they tacked on 8 years of interest. This judgement is in my maiden name XXXX and I havent use that name in over 15 years. I am not sure what type of account this is but the statue of limitations should be up on this. I would like a refund for the money taken out of my pay check. I really need your help on this, because something is not right here.
Product: Credit card or prepaid card

Capital One Savor card promotion stated I would recieve a XXXX $ rewards bonus after spending XXXX $ in the first three months. I called and verified this with multiple customer service representatives on their recorded lines. Now I am being told I will not be receiving the XXXX $ rewards bonus. This is nothing short of wilfully deceitful. I stress, I was promised/confirmed by multiple Capital One representatives that I would be receiving the rewards bonus, and was even given a time line of when to expect it. I spent accordingly to what they promised. When it did not arrive, it prompted me to reach out to them. They do not care.
Product: Debt collection

Here is the letter I sent the collections agency. It describes the situation well. 
XX/XX/XXXX REGISTERED MAIL Transworld Sys XXXX. XXXX XXXX XXXX, PA XXXX Dear Sir or Madam, Today I was reviewing my credit report and I learned your agency filed XXXX collections on my credit report on XX/XX/XXXX. At no time did I receive anything from your company stating that a collection action had been filed nor have I been given an opportunity to determine if these debts were legitimate before you placed them on my credit report. 

In researching these bills I have discovered that these collections were sent to you by XXXX XXXX XXXX XXXX, XXXX a billing company for XXXX XXXX XXXX, an in-network XXXX XXXX XXXX XXXX. Despite a date of service XX/XX/XXXX XXXX XXXX failed to bill my insurance until after this account was assigned to your agency despite being given the correct billing information many months earlier. 

It appears that shortly after this account was sent to your company XXXX XXXX finally billed my insurer and was sent payment. On XX/XX/XXXX, XXXX, my health insurance company sent XXXX XXXX full payment for all services rendered under all three bills. Under the contract XXXX has with XXXX XXXX XXXX XXXX he has agreed to accept a discounted amount from members of the network, he was paid that rate in compliance with the contract however your company is attempting to collect the difference between the contracted amount and the amount billed. Your company clearly is aware of these payments because you reflect the updated balance on my credit report, this demonstrates your companies complicity in attempting to collect a debt you are not entitled to. 

XXXX XXXX and XXXX XXXX have been paid all amounts legally due them under the in-network contract he signed, neither your company nor any other party is entitled to collect any further amount. There is no basis for this collection action whatsoever. I demand you cease all efforts to collect and remove all derogatory information from my credit report immediately. Failing to do so will result in a complaint being filed with the Consumer Protection Financial Bureau. 

I have enclosed the explanation of benefits forms providing evidence that these bills have in fact been paid, had XXXX XXXX and XXXX XXXX properly billed the insurer they would have been paid within 30 days of the services being rendered like every other party that provided service during this admission. 

Any correspondence regarding this matter must be done in writing. 


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

I found that I was a victim of identity theft after my wife passed away in XXXX. I found that the identity theft I had gone back into the XXXX. I have alone currently with Ford motor credit, I started that loan in XXXX. There were no issues at that time. I want to trade in my vehicle for a XXXX XXXX. Here is where and account was opened in XXXX by a person with the different 1st name different middle name different address different phone number different work information different email address. The police exceptionally cleared me from death of the offender in XXXX when I 1st became aware of that account. Ford has now chosen to be arrogant and wrong full and deny me any type of appeal process because they claim they have internal documents and stuff they found on the Internet that goes against a court finding and the police finding. This is not only wrong it's completely false and it's because of the identity theft that it even exists. They will not talk to me about it they refuse any type of contact they want me to spend money to go to court and hire an attorney when they are simply wrong and they don't want anybody else seeing it. They know their position is weak and they don't have any proof because when I asked for the documents they used to go against the court and the police they told me I had to subpoena it. That is wrong and it is not legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised with Equifax ; Again, I was going over my credit reports & noticed many items that do not belong to me. Since Im a stickler for research, I found under section 605b of the FCRA ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required by law to remove & block any items and information which is found to be opened due to identity theft, Equifax is required to remove any accounts/Inquiries or information no later than 4 business days after the date received. The disputed items do not belong to me. Im attaching the required FTC Report for Equifax and CFPB records ; I sent a letter on XX/XX/2022 ( attached ) to remove accounts and inquiries that is UNKNOWN to me. The law requires Equifax remove the following Fraudulent items listed below : 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... Please see attached verified Notice to Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax disclosed that a data breach it discovered on XX/XX/XXXX may have impacted as many as 143 million consumers in the United States. Equifax has access to an extraordinary amount of personal and financial data for virtually every American adult. The company says that hackers accessed names, Social Security numbers, birth dates, addresses, some driver 's license numbers, and about 209,000 credit card numbers.
All told, as much as 44 percent of the US population will feel the impact of this breach for years to come, especially when it comes to their Social Security numbers.
Product: Credit reporting or other personal consumer reports

I have on going identity theft issues where someone or some group is using my information to try to obtain lines of credit and loans. I have tried to get XXXX, Experian and XXXX to remove this false info and It has been a struggle. The below items are all inaccurate because I did not authorize or provide my information for a hard inquiry to any of these companies. 

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 XXXXXX/XX/XXXX