23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to file a formal complaint regarding the actions of FINANCIAL CONTROL SERVICE in relation to an alleged debt they claim I owe. Despite numerous requests, FINANCIAL CONTROL SERVICE has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ), yet they have proceeded to place a collection entry on my consumer report. Furthermore, I have not been afforded the opportunity to dispute the account as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). It is evident that FINANCIAL CONTROL SERVICE are violating my consumer rights by employing false, misleading, and deceptive means in their collection practices. The collection agency has no authority to furnish any account to consumer reporting agencies without providing all disclosures required by law. Their actions are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). I dispute owing all debts to XXXX XXXX XXXX XXXX and demand that they cease all communication with me via email, text, or phone calls, as I am exercising my rights to revoke these forms of communication under the Fair Debt Collection Practices Act ( FDCPA ). Additionally, I request that FINANCIAL CONTROL SERVICE provide : 1. Debt validation, including detailed information regarding the alleged debt, the original creditor, the original account number, and any documentation supporting their claim. 2. The purchase agreement between FINANCIAL CONTROL SERVICE and XXXX XXXX XXXX XXXX to establish the validity of their claim. Provide a copy of my signature in personal agreement that allows FINANCIAL CONTROL SERVICE to purchase this account and begin to report the debt to my personal consumer report. As well, I am requesting this contract between XXXX XXXX XXXX XXXX and FINANCIAL CONTROL SERVICE, because it will state FINANCIAL CONTROL SERVICE purchased this debt with the knowledge of this account not being XXXX XXXX accurate, as well without my consent to purchase, and last but not least this negative item is not following the XXXX bullet points of compliance that are in place by the XXXX, which threatens the integrity of validity of this being reported on my personal consumer report. 3. Furnish proof of licensing and bonding to operate as a debt collector in the state of Illinois. 4. A copy of certified mail receipt. I am unaware of this debt ; I did not properly have an opportunity to dispute this information. If in fact, if FINANCIAL CONTROL SERVICE believes they have provided proper notification please provide a copy of certified mail receipt. I am requesting you provide the receipt because the date of mail will be XXXX days prior to the item being reported. Not only will my signature be present on the agreement but it will support that FINANCIAL CONTROL SERVICE took proper procedures giving me the opportunity to properly address this item being reported on my personal consumer report. If you can not provide this information, please remove this item from my credit report.
Product: Credit reporting

XXXX {$5100.00} is showing good on all XXXX credit reports Cause they are not reporting this info. to all of the credit companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23 i submitted a dispute to all three credit reporting agency with no response, on XX/XX/23 i submitted my 609 letter with no response, on XX/XX/23 i submitted a complaint and all three credit reporting agencies stating they verified the inaccurate information and never sent me an updated report, on XX/XX/23 i filed an FTC report and mailed to all three credit reporting agencies with no response, this has been an ongoing issue, as i am a victim of identity theft. there are mispelled names that do not belong to and addresses i never lived at.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SENT IN COUNTLESS DISPUTES TO REMOVE THIS COLLECTION FROM MY REPORT WITH EXPERIAN AND NOTHING HAS HAPPENED. PLEASE HELP ME REMOVE THIS COLLECTION FROM EXPERIAN. THANK YOU! 

XXXX XXXX Account Number : XXXX Report Number : XXXX
Product: Debt collection

When reviewing my credit report from all 3 major bureaus I noticed collection accounts for medical bills that I had no knowledge of. I asked all 3 bureaus to remove them, and collection agency to send me proof and HIPPA consent The bureau said the information was investigated but never provided proof or statements neither has the company. I am in the process of applying for a mortgage and this is a problem in being approved by a lender. The collection Agency information is listed below. I have contacted XXXX XXXX, XXXX and XXXX along with the collection company asking for proof and also this is a violation of HIPPA because I never granted permission for them to have my information. I did not obtain any information on this alleged debt and all I get is a piece of paper with 3 to me with no detailed information As you can see I have asked for information regarding these debts which are not my numerous times. They should be removed from my credit reports. Thank you
Product: Checking or savings account

USBank is a XXXX  organization that has lied multiple times about how to lock my personal debit card I use for services such as XXXX for XXXX. 

What happened is I tried to remove my USBank XXXX XXXX XXXX from the online on the XXXX for XXXX  website. Since I do not have another card yet to input into the system XXXX will not remove the debit card on file. 

I was told multiple times by USBank that by locking the debit card XXXX for work and any other transactions would be stopped. Instead USBank continued to let XXXX hit this account that had a locked debit card, then they charged be over draft fees. 

USBANK is a XXXX  organization and will not let me control my debit card and then uses their internal system to scam me with their {$36.00} overdraft fees. 

The manager at the USBank branch in XXXX XXXX  then retaliated after my complaint in person and then without my permission closed my other Personal Debit Card in retaliation. 

This has caused considerable damage and pain due to the bank 's practice of lying and scamming their customers. 

XXXX XXXX XXXXXXXX Please file this complaint and look at how to sue USBANK for their shady practices scamming small business owners. 

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

I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into these inquiries on my credit report to determine who authorized the inquiry. These inquires do not have any accounts attached to them on my credit report.
Product: Credit reporting or other personal consumer reports

A XXXX XXXX account was listed as " charged off XX/XX/XXXX '' and has remained in that status until recently when the status was changed to " charged off XX/XX/XXXX ''. The change in " charge off '' date caused my score to drop more than XXXX points. Due to the age of the account and the last payment, the account should be removed from all bureaus.
Product: Credit card or prepaid card

Purchased product online merchandise in XX/XX/2017 The product cost {$110.00} with recurring monthly fee of {$50.00} After receiving product it was discovered that it was illegal ( FCC regulations forbid use of such product ) Contacted BOA credit card whom refused to refund
Product: Credit reporting or other personal consumer reports

This account was opened and I placed an order online. I was sent the incorrect items and when I contacted the company I was told I was being refunded, which wouldve brought my account to {$0.00}. They never refunded or emailed proof of refund and apparently never refunded. So Im being charged for things I never received. I did dispute and call this out and they said the charges were similar to those made on the account and would not be refunded. Which was a shock to me as it was my first purchase, so how would a pattern of charges even be established. A ton of charges started coming in on my account totaling around {$600.00}. I did NOT make these charges. When I contacted Kohls in regards to this, I was rebuffed. After contacting them several times with no resolution, I disputed the account and its balance in its entirety to the bureau. It was not removed, nor accurately reported, and has since dragged my credit score down over XXXX points. Ive attempted contacting by phone again and can not seem to get someone on the phone who can even communicate with me effectively. I am seeking legal recourse if not resolved now.
Product: Debt collection

XXXX XXXX of XXXX and XXXX has sent me a letter with an attached example of the lawsuit he will file if I do n't make payment arrangements on a debt from XXXX/XXXX/2011, which is out of the statute of limitations. I 've responded numerous times to settle the debt and no response but further treat of legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally request the removal of inaccurate and/or outdated items from my credit report, which I believe are negatively impacting my credit profile. After a thorough review of my credit report from your agency, I have identified several items that require immediate attention and removal. I have provided the details of the disputed items along with explanations of the inaccuracies, the information reported for the above-mentioned items were inaccurate and does not reflect the current status of the items. I have enclosed supporting documentation that validates the correct information. I kindly request that you investigate this matter and remove the inaccurate items from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. Please provide me with a written confirmation of the removal of each inaccurate and outdated items once the investigation is complete. I also request an updated copy of my credit report reflecting the corrected information. Here are the following fraudulent items that are needs to be remove : XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$3500.00} ; XXXX XXXX XXXXXX/XX/2023 ; XXXX XXXX  XX/XX/2023 ; XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX ; XXXXXXXX XXXX XXXXXX/XX/2023.
Product: Debt collection

I received a call in reference to this debt and I informed the company that I am not aware of this and it doesn't belongs to me. I never heard of this company XXXX and never had an account with this company. They had stop sending the letters to me after the conservation, but now I am starting to receive letters and I just moved, so I don't know how they got my new address.
Product: Credit reporting, credit repair services, or other personal consumer reports

contacted XXXX XXXX XXXX XXXX to report that my apartment had been robbed in XXXX XXXX XXXXnd Id filed a police report. I also explained that I had additional hardships due to the COVID pandemic and a recent car accident, and that prior to the robbery which occurred in XX/XX/XXXX, I had made timely payments and my account had been in good standing for over 2 years. I was told by a XXXX XXXX customer service representative that I qualified for emergency assistance and interest accrual could be paused/ no payments would be due for 6 months. Assuming theyd keep their word, I used the money I was planning on using to pay off my citi card to pay off all my other debts and relace my cell phone/ laptop which had been stolen during the robbery. My decision to use my savings to pay off debts and replace my stolen belongings was 100 % a result of my assumption that XXXX would honor their promise and that I had 6 months to save up more and pay off my XXXX XXXX card. However, a few months later when I went to check my account, I noticed that XXXX XXXX had closed my card due to non-payment. After calling XXXX XXXX, I was informed by customer service staff that there was no record of my call on XX/XX/XXXX there was not thing they could do to reverse my late fees and delinquent report on the account even though I had made previous arrangements with their customer service staff. I requested to speak with a supervisor and who told me theyd be able to assist, and after 2+ hours on hold, they hung up on me and never called me back! After that, I was no longer able to access my XXXX account online to make online payments, and calling to make payments sometimes took HOURS. As a result, I got even further behind and my interest kept accruing and now, XXXX years later I owe more than I did back in XXXX Prior to XX/XX/XXXX, I had an impeccable credit history and record of timely payments, but after XXXX closed my card, my credit score dropped significantly and I havent been able to get out of hole they put me in.
Product: Credit reporting or other personal consumer reports

In the middle of XX/XX/2024 I closed my deceased mother 's XXXX account and turned in her phone. Shortly after this, I started receiving text messages and emails stating that I owed {$220.00} to XXXX, even though I already paid everything I needed to pay. I contacted XXXX about this several times and everybody I spoke to said that it was a scam and to ignore it and not pay it. About a month later I received a letter from " XXXX '' regarding this {$220.00} that I owed, so I once again contacted XXXX about this and they once again told me that I had no balance on my account or my mother 's account and that I should ignore it. Additionally, included in this letter was a website I did not recognize to be XXXX 's official website for payments ( the website on the letter was XXXX ), and when I put the account number that was provided to me by this letter into XXXX 's official website, it tells me to enter the zip code for a phone number that is not mine or my mother 's. I ignored it, and on XX/XX/XXXX I received a text message from that same number that said my account was now being held by XXXX XXXX XXXX, and I saw that I received a derogatory mark on my credit report because of this. I quickly called XXXX that same day asking about this, but they said that they didn't apply any derogatory mark to my account and that I didn't have any balances to be paid. Since this was my first time receiving anything negative like this on my credit report and my score went down by about XXXXXXXX XXXX, I ended up paying this balance even though I still believed that it wasn't from the official XXXX XXXX. I submitted a dispute regarding this incident on XX/XX/XXXX through Experian, and I received the results of the dispute XX/XX/XXXX. The only change I saw on my credit report is that the balance of this XXXX account was removed and that the derogatory mark is supposed to stay on my record until XX/XX/2030.
Product: Credit reporting

i JUST WANT MY CREDIT REPORTS TO START ON MY IDENTITY THEFT SITUATION. THIS IS A NIGHTMARE
Product: Checking or savings account

I have a TD Savings account ( with the bump ). This account currently pays 1.00 % for the amount I have in the account instead of a regular ( no bump ) 0.35 %. I recently noticed that I am collecting a smaller amount and contacted TD Bank. 
The bank apparently switched me to a new sort of account, with different terms without notifying me. The new account has different qualification requirements, which meant that even though they deceivingly called my account with a bump I was not actually earning it. 
After a handful of conversations with the bank, including branch and customer service line. I was first told that I am owned back interest, but I was later told that TD does not have to pay me any back interest.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following list of accounts has violated my federally protected rights to privacy and confidentiality under 15 USC 1681 : XXXX Account number : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX  XXXX XXXX Accounts listed above have violated my rights. 

15 U.S.C. 1681 602 A : States I have a right to privacy.

15 U.S.C. 1681 604 section 2 : 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 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 have reasonable cause to believe the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I send over letter to this company multiple times still havent received any information
Product: Mortgage

We ( my late husband & I ) owned property which was in his & his brothers name. Financed thru BofA, sold to Green Tree and now DiTech. After my husbands death I ended up owning the property XXXX %. It is rental property and I make all of the payments, etc. Yes, I have been late on several payments but always catch them up and pay any late charge associated with them. I just received a call from DiTech saying that they received my XX/XX/XXXX payment, but would not be applying it to the loan, as it was not the total amount due. I asked what the extra amount was for, please break it down for me and she said she could only give me limited amount of information on the account and she would not be applying my payment. My husband has been deceased for 7 years and I have always spoken with this and previous companies regarding the loan and payments. They have had my brother-in-laws permission to speak to me regarding anything to do with this loan for many years. Even though I always pay any late fees, if I am not mistaken, the original loan papers say any outstanding late fees, etc. will be added to the end of the payment schedule/final payment. How can a financial institution treat and threaten paying customers in this manner? Is this legal?
Product: Checking or savings account

I disputed unauthorized transaction made by several companies on my bank account. Sofi bank began investigation and finished investigation in the matter of two days they denied my claim and said the transactions were authorized. I then called the merchants myself, and the merchants had no record of my name, Social Security phone number or email address on file. I then filed a police report and so far still would not honor the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contact TransUnion multiple times to remove inquires off my credit report that I didnt authorize to and they refuse to remove them.
Product: Debt collection

We cancelled our XXXX XXXX service to be effective XX/XX/XXXX because we were moving. We were not able to move our service because XXXX does not offer XXXX service in our new area. We gave them our new address. 

On XX/XX/XXXX XXXX sent a statement to our old address which reflected a balance due for the period XX/XX/XXXX through XX/XX/XXXX in the amount of {$69.00} and a balance due for XXXX in the amount of {$38.00} ( total {$100.00} ). 

We immediately called and spoke to XXXX. She told us not to pay the bill, that the corrections would be reflected in the XXXX statement. Again, we gave them our new address. 

Despite telling us they would fix the problem, they sent us to a collection agency. We contacted the agency and sent a letter outlining the issues. We never heard back from them. 

In XXXX we received another collection letter from a different agency. We contacted them and wrote another letter. We never heard back. 

In XX/XX/XXXX, we received another collection letter from third agency. We contacted them and wrote another letter. We never heard back. 

Last week ( XX/XX/XXXX ), we received yet another collection letter from a different agency. We have sent them a dispute letter. 

Additionally, XXXX has reported us to the credit rating bureaus as not paying our bill. Technically, that is correct. But we have n't paid it because we have n't received a corrected bill. 

How many times can XXXX send us to a different agency? This is getting to feel like harassment. We are willing to pay what we owe, but we would like a corrected invoice.
Product: Checking or savings account

In XXXX of this year, I had deposited over XXXX into that account. Unfortunately, someone had stolen my debit card and spent XXXX before I realized that it was gone. The reason that I didn't know that it was gone was because I was using my phone for transactions. The bank did phone me to discuss certain transactions through their automated system, but each time it was my transactions that they were questioning. Once I realized the issue, I called the bank, closed that card down and filed a police report. It was very obvious to the police that this was a situation of fraud and they opened an investigation. In the meantime, the bank did their own investigation and determined that it was not fraud because someone had been using my pin code. When I spoke to the police department, they stated that there were several ways that someone could have gotten the pin and that that should NOT have been the determining factor in their decision, although they are claiming that that was the determining factor. I did not allow anyone to use my card. The card was used in cities more than an hour away from me and I was clearly not in two places at one time. I just want my money back.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports