23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear CFPB, I am writing to file a formal complaint against Fair Collections & Outsourcing Inc regarding their refusal to investigate a collection account that they have reported on my credit history. I believe their actions violate the Fair Debt Collection Practices Act ( FDCPA ) and have caused significant distress and harm to my financial well-being. 

The collection account in question pertains to account # XXXX, which has been reported inaccurately on my credit reports. I have consistently disputed this account with Fair Collections & Outsourcing Inc and the credit bureaus due to identity theft concerns. My identity has been stolen, and I am hesitant to provide sensitive personal information such as my ID, lease, and utility bills to a company that does not have proper authorization to possess my personal information in the first place. 

Here are the key details of my complaint : Lack of Permission : Fair Collections & Outsourcing Inc does not have permission to possess my personal information. My mother is the owner of my home, and this information is publicly available.

Absence of Utility Bills : I do not have utility bills in my name, further complicating my ability to provide the requested documentation. 

Adequate Address Proof : I have provided sufficient evidence of my address, including IRS statements dating back to 2017, credit report address history, and an FTC report. Despite this evidence, Fair Collections & Outsourcing Inc has refused to take corrective action. 

Stress and Health Implications : The continued presence of this inaccurate collection account on my credit reports has taken a severe toll on my health, causing extreme stress and leading to XXXX XXXX XXXX  for XXXX XXXX XXXX. 

Violation of the FDCPA : I believe that Fair Collections & Outsourcing Inc refusal to investigate and correct this account violates the FDCPA, which requires debt collectors to act fairly and responsibly. 

Credit Reporting Issues : Fair Collections & Outsourcing Inc has disregarded my efforts to have the collection account removed from my credit reports, causing further harm to my credit history. 

I have exhausted all reasonable attempts to resolve this matter directly with Fair Collections & Outsourcing Inc and the credit bureaus. To date, they have refused to take any corrective action or remove the erroneous collection account from my credit reports. 

I kindly request that the CFPB intervene in this matter and investigate Fair Collections & Outsourcing Inc refusal to investigate and correct this collection account. My primary goal is to have this account deleted from my credit reports immediately, as it is negatively affecting my financial well-being and causing severe stress. 

I am prepared to provide any additional information or documentation necessary to support my case and seek remedies as allowed by the law. Please consider the urgency of this matter, and I look forward to your assistance in resolving this issue. 

Thank you for your attention to this complaint, and I await your response. 

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

I have a Discover card and got an unfair late payment report on my credit report. 

In XX/XX/2018, I noticed that my Discover card payment was late when I logged in my online account. I was surprised because I had automatic payment setup, but was able to update my payment bank account and fix the problem. However, Discover didnt tell me that the reason for my failed payment until the second failed payment after I chose to pay the balance immediately. I learned that my XXXX  XXXX XXXX account was closed due to inactivity. 

I called Discover card customer service and was told that I updated my automatic payment using my XXXX checking account that there should not be a late payment credit report. However, I was surprised again by my credit report again later in XX/XX/2018 because of a 30 day past due. 

I have never stopped fighting the issue. I called last week and learned that from the customer service that theres no record of my late payment, but 2 late  payment instead, and Discover does not report late payment unless its 60 day past due. 

I have communicated multiple times with Discover using their secure messaging system and got inconsistent replies, found their customer supports dont well comprehend their products and rules. 

Now, I think the passive way, emailing, Discover notices customers account issues is direct targeting on servicemembers because Discover doesnt try their best effort to perform their part of the agreementinform customers about late payment and servicemembers may be in training or missions where they can not access their emails. 

And, when I saw my first payment, I, like any average person, would pay the balance right away to avoid a late fee and late payment credit report. And that was a trap to pay a return check fee again as they didnt warn you that it probably would fail again and you should check your automatic payment. 

Furthermore, Discover uses automatic payment system takes advantage on people, who trust the system because I was told I was not past due since I updated my automatic payment when I called the customer service the first time, but in fact, the system considered I was late on a payment and report it automatically. 

Additionally, Discover have failed to deliver the service agreements for years and the Discover Card Account Terms ( PDF ) can not be viewed or downloaded from my logged in account on Discover website. ( Figure 1,2 ) And I just send Discover a message about the issue this morning and hope they can fix it. 

I had never late for any payment and had XXXX FICO score ( Figure 3 ) before this happened. I am an XXXX veteran, always have difficulty receiving mail from Discover while in the military, have never received any call from Discover, believe Discover took unfair advantage on me while I transitioned from military to civilian.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and EQUIFAX has been reporting 0 income for the last month and Ive been getting denied for GUARANTEED APPROVAL CREDIT LINES. Its Hurting me And my businesses. Theyve been Fixing the problem for months!!! The dispute was not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # 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 that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Also States a consumer Reporting Agency can not furnish a account without my written instruction.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you XXXX opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the XXXX XXXX XXXX XXXX XXXX, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the AXXXX XXXX, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 
I expect a prompt response within XXXX  DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.
Product: Credit card or prepaid card

Due to Covid 19, a payment was posted to the wrong Bank of America account of mine, both under a Balance Liquidation Program. The collections manager made a deal with me that if I paid the account current that she guaranteed removal of the 30-day late  credit reporting. I complied. 

I then received a letter refusing to remove the reporting as I am under a balance liquidation program. 

The manager made an agreement with me to remove the 30 day late reporting in exchange for the payment. The Bank of America is obligated to keep the agreement and remove the 30 day late reporting.
Product: Credit card or prepaid card

Amex advertised that I can get {$75.00} reward per refer up to {$550.00} a year if I refer my friends using the referral link.

There were 109 clicks through my referral link, which means at least 10 successful refers through my link between XX/XX/2018 to XX/XX/2018. However Amex is not giving me any referral bonus as advertised. 
My referral link : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This inquiry was made on XX/XX/2018 when trying to purchase a vehicle at Carmax-XXXX. I wrote a letter asking to have the inquiry removed because no loan was secured and no purchase was made.
Product: Bank account or service

I am writing out of concern for the DOJ investigations in hackings against Scottrade and others. 

Specifically, I know for a face, that Scottrade was informed of their cyber security vulnerabilities through numerous Whistleblower tips submitted to the SEC, some of which were forwarded to Scottrade for review. 

I know this because I 'm the one who found the flaws, including the heart bleed vulnerability, and reported them to the SEC more than two years ago. 

The failure of the SEC and Scottrade to understand the technical disclosures led to over XXXX XXXX customers being breached and I do not take this lightly. 

Please contact the SEC and request all complaints against Scottrade and you will quickly find that their failed cybersecurity infrastructure and corporate culture was reported by myself and others numerous times, before a hack even occurred.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account Number - To Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 
{ Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 
Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. 
2. The date you contacted the individual funishers of information. 
3. The method of communication you used to verify the information. 
I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law
Product: Credit card

I was not aware of these annual fees, and this has been a poor experience told that they were waving it and has not. Been done took me serval phone calls to now reach out here to express my concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts has violated my rights. 

15 U.S.C 1681 Section 602 states that I have a right to privacy 15 U.S.C 1681 Section 604 states that a consumer reporting agency can not furnish any information without my written instructions XXXX XXXX  Account # XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX DEPT OF THE TREASURY Account # XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX, XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I reviewed my credit report to discover that I have an unauthorized inquiry from XXXX XXXX On XX/XX/year> I reviewed my credit report to discover that I have unauthorized inquiry from XXXX.
Product: Money transfer, virtual currency, or money service

I am submitting a formal complaint against Cash App ( Block , Inc. ) due to insufficient customer service and practices that appear to violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App has not taken timely or effective actions to prevent and address fraud on their platform, resulting in my account being vulnerable and inadequately protected. Additionally, the dispute resolution process was not conducted fairly or transparently, as it did not meet the error resolution requirements outlined in the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These issues have led to significant inconvenience and financial loss, and I am seeking appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a car through XXXX in XXXX. They used XXXX to pull my credit. I got 3 letters in the mail to different addresses, my home and business saying I had a XXXX score through XXXX saying I was denied the lease. My credit is over 700 on all the reputable sites ( XXXX, XXXX, XXXX ) I  called the car company and they said had I been denied, I never would have left the parking lot. I looked this company up online as I had never heard of them before and multiple people have run into the same problem and say this is Spam/Fraud and should be reported to this site. 

1 ) I have my credit frozen. So no one should be able to pull my credit score without me unfreezing it.

2 ) They are trying to get me to send them personal ID and financial information via snailmail, but don't give you access to a website.

3 ) It said I was a co-applicant, when I was not.

4 ) The reasons for my credit being " low '' with them make no sense. I have 20 years of credit history, yet it says I have limited credit history and not enough debt experience.
Product: Credit reporting or other personal consumer reports

I have requested on several occasions for my address to be changed on all XXXX  credit bureaus. My address and name is reporting incorrectly.
Product: Debt collection

on XX/XX/XXXX I filed a dispute with XXXX about a medical debt collection from XXXX XXXXXXXX XXXX that is not mine. On XX/XX/XXXX I received a response for them that the debt was mine after investigation. On XX/XX/XXXX I decide to provide copy of my Drivers License and a copy 1095-B Tax form from XXXX ( when the debtor states I used the XXXX services ) To prove my current address and my Health insurance company. That I resided in the state of XXXX and also told them that I was covered by VA as a former veteran with 100 % medical coverage. I just received a letter staying that the creditor states that the account is still mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and updated : XXXX XXXX XXXX Balance : {$920.00}
Product: Credit card

I sent a letter via US mail on or about XX/XX/2023 to the following mailing address : American Express Customer Service XXXX XXXX XXXX XXXX XXXX, TX XXXX This was a request to open a dispute for a transaction with XXXX made on XX/XX/2023 in the amount of {$220.00} I submitted this dispute within 30 days of the transaction. As of today, I have not received any correspondence regarding this dispute. I request that the full amount be credited back to my account and that all the interest charges accumulated over the time be credited as well.
Product: Money transfer, virtual currency, or money service

So I went to purchase a phone from someone in person, I sent them a payment through PayPal and the returned the payment because they wanted me to pay them in cash apparently, so I did just that. After paying them in cash, a few days later the XXXX they refunded me was taken out my account in form of an XXXX, but I didn't know the transaction was still going through because I thought she refunded it but apparently I was wrong, and so I asked PayPal to reverse the transaction and they told me they weren't able to and only my bank would be able to and so I asked my bank and they gave me the same response and to ask PayPal and they sent me back and forth literally XXXX times just for neither of them to be able to get my money back and for the lady to continue to say she didn't receive no money even though PayPal is saying she did.
Product: Mortgage

On XX/XX/XXXX I was mislead in an email from XXXX XXXX of Intercoastal Mortgage stating that they did not sell loans to XXXX or any of its affiliates.  I explain to XXXX XXXX my desire to terminate the loan application if they did.  He replied back in email that they did not sell to XXXX or anyone affiliated.   We closed on XX/XX/XXXX and I XXXX on XX/XX/XXXX and returned on the XX/XX/XXXX to  find out that   while XXXX to XXXX XXXX Intercoastal Mortgage sold my loan to XXXX XXXX aka XXXX.  Remedy:  I want my loan bought back from XXXX and sold to a company that is reputable, long standing and that doesn't sell it loans.
Product: Debt collection

I have been making payments on a hospital bill ( I should have disputed this bill from the start. ) XXXX to a debt collector since XXXX I have made regular monthly payments of XXXX.for 48 months At the end of XXXX I sent a check for the final payment on the account and they said ... .oh no wait a minute you still owe us XXXX. I stated I did not owe that and they informed me that they refiled a judgement back in XXXX since I missed several payments. This was the first I was notified of this.They never called or notified us that these payments were not received and that now they filed additional paperwork to inflate the balance to over XXXX still owed. They garnished my personal joint bank account with my wife who has battled XXXX for 17 months and garnished my very small business account. They took every cent from these accounts and never returned my calls since XXXX about my disute of not owing this balance. I have requested bank records from my bank. I have looked online and found many complaints and lawsuits against this debt collector Hayt Hayt and Landau, XXXX
Product: Credit reporting or other personal consumer reports

This company XXXX is reporting 2 different places on my credit report iam demanding the removal of this account. As you look you will see its 2 totally different address this is a conflict here. By law you are required to remove this. 

15 USC 1681 refers to a specific section of the United States Code, which deals with consumer credit reporting. It's part of the Fair Credit Reporting Act ( FCRA ), which regulates the collection, dissemination, and use of consumer credit information.
Product: Checking or savings account

To whom it XXXX concern, I recently opened a Checking and Savings account with Wells Fargo. I initiated the account opening online and was prompted to visit a branch. Upon visiting the branch and providing all requested official identification documents, I successfully opened my account. 

Shortly thereafter, I began receiving suspicious phone and mail communications from local branch employees and other alleged corporate entities questioning the validity of my legal address. 

I made a formal complaint within Wells Fargo which has not been responded to with any official notice as promised. After visiting several branches and providing adequate identification, I have continued to receive other suspicious and antagonistic communications threatening to close my account for Failure to Provide Adequate Documentation. 

Currently, due to circumstances beyond my control, I am homeless and seeking employment. I am reaching out to your offices for assistance as I have not been able to access XXXX funds from XXXX  to bathe, feed, or otherwise address essential functions of daily living. 

I feel victimized by my own financial institution and their openly divisive applications of government regulations. Attempting to resolve this has also led to greatly diminishing my professional reputation and is affecting my ability to seek and maintain gainful employment. 

Homelessness presents its own set of complications, however, I am disheartened and further burdened by being denied banking services at Wells Fargo merely because of being temporarily displaced, though, I have still managed to maintain a valid mailing address I have used without complications otherwise. 

I sincerely hope that youll be able to assist me in resolving this matter with Wells Fargo and set a firm precedent preventing this from happening to other citizens, immigrants, and migrant workers enduring similar circumstances who happily and gratefully toil in their efforts to support themselves and meaningfully contribute to this nation with or without any support from relatives and friends. 

Respectfully, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was informed about a negative report on my credit history for an account that was closed from an institution that I have no knowledge of. I never received any bills., statements or delinquency letters from this institution. I have no knowledge who that is. The record is dated since XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made multiple disputes to have a bankruptcy file from XXXX removed from my credit report. The 4 credit bureaus/ reporting agencies XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have reported this information : U.S. BANKRUPTCY COURT XXXX XXXX CASE ID # XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX IN XXXX Phone : XXXX Type : :XXXX XXXX BANKRUPTCY XXXX Date Updated : XX/XX/XXXX Date Filed : XX/XX/XXXX Court Type : US Bankruptcy Court Date Updated : XX/XX/XXXX Date Paid : XX/XX/XXXX These credit bureaus/reporting agencies are privately owned companies and have collected and posted my data without my knowledge or permission. I have reached out to the U.S. Bankruptcy Court about this issue and they responded as such, " the court does not provide any information directly to third-party information gatherers. " ( See attachment documentation ) I supplied this information to the reporting agencies and they still refuse to remove this information. In accordance with the Fair Credit Reporting Act, Section 1681 ( a ) ( 5 ), any case, civil or otherwise dismissed, no longer exists in the eyes of the law, and therefore the credit reporting agencies have no right to maintain this information which the government has deemed non-existent on my report. It is only causing harm to my person to obtain employment and better housing by lowering my credit score