davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (GA)

I am contacting you in dispute of the below creditor, Debt Originator : XXXX/XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX Collection Agency : XXXX XXXX XXXX , XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I recently disputed this account with the CFPB, as a resolve the company stated it could not locate me in their database, therefore requested more information. 
I have provided as much information as possible and again I am requesting that the reported information be removed from all credit reports for the following reasons. 
1. The reported balance of XXXX is incorrect - I was a victim of Hurricanes Florence and Michael. I lived in the county in which my home was declared a disaster area via FEMA. 
XXXX/Comenity Bank refused to waiver the late fees, or to provide me with a hardship - concessions and continued to charge me astronomical late fees, reported this account to the credit reporting agencies, as a result this account was sent to a collections agency. My original line of credit was {$300.00}. 

On XX/XX/XXXX, my area was hit with hurricane Florence then later Michael, and declared a disaster area. This storm left me financially depleted, to which late payments were incurred. This is the second time I had requested reinvestigation with the agency, and the account has not been verified therefore it should be deleted. 
Attached are several labeled documents to support my claims. 

Thank you in advance for your assistance in this matter. 
Respectfully, XXXX XXXX XXXX
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 XXXX XXXX Balance : {$6800.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$36000.00} XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, NV XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2019-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have the proof that BofA has been unable to find my data from XXXX XXXX through XX/XX/XXXX. It shows that my 1st delinquency is XX/XX/XXXX and so the 7 years is up and this item needs to be removed from my account. Currently they are stating that they have " no-Data '' and so they erroneously report that XX/XX/XXXX is my 1st delinquency ( Which is wrong ). Since I have provided the actual and factual information that BofA has failed to do, then by the Fair Credit Reporting Act, this MUST be removed from my credit report or I will take further action with my attorney against XXXX. Both XXXX and XXXX have already taken this off my report. 

Basically, when XXXX  contacts BofA, BofA keeps extending the date when it is suppose to fall off my report. As you can see, I have provided proof in which they keep doing this. They have done this multiple times and I am way way WAY past my date of 1st delinquency and after XX/XX/XXXX I never made another payment. My documents prove this and BofA can not prove otherwise. The debt owed was {$33000.00} and I did not ever make it current and that is now what they are trying to report that I made it current in XXXX of XXXX and that is a bunch of XXXX. Please help, because BofA is playing games with my life.
Consumer complaint received 2024-04-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SOFI TECHNOLOGIES, INC. (TX)

On XX/XX/2024 I received communication from Sofilending that I had an escrow shortage in the amount of {$930.00}. I was given the option of paying this shortage in full or having it divided between 12 monthly payments added to my monthly statement. On XX/XX/XXXX I paid the escrow shortage in full. I checked a box that specifically stated " Escrow Only ''. I am able to see that Sofilending received this payment, however to date It has not been added to the escrow account and was not reflected on the monthly payment which has increased. Messages I have sent the company have so far been ignored.
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2021-08-31
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (FL)

Hi, On XX/XX/2021 morning approximately XXXX XXXX, while checking my coinbase cryptocurrency portfolio on Coinbase Pro, i saw my funds reduced from approximately {$90000.00} USD to {$28.00}. I was stunned but realized that my account may have been compromised. I then tried to reach to coinbase and got to know how to lock my account on an automated phone service. I locked my Coinbase account as soon as possible. Roughly in 20-25 mins, if i remember correctly.

I reached to coinbase support and they said they will assign a specialist who will only communicate on an email.

After few hours coinbase responded with an investigation report ( attached in this complaint ), saying that my phone was compromised and my username/password alongwith 2FA was used by hackers to loginto my coinbase pro account and send the funds through an Ethereum wallet. They can not do anything and shrugged off entire responsibility. 
Very next day i reported this crime to my XXXX XXXX, FL law enforcement who immediately connected me with Detective XXXX XXXX from XXXX Financial Crimes unit, Florida. He has been handling my case since XXXX XXXX. 
Meanwhile, I reset all my email passwords, coinbase passwords, and recovered my locked coinbase account on XXXX XXXX. 
I want the authorities to know the below : I have followed all the security recommendations given by Coinbase including 2FA using XXXX XXXX  app.

Infact, another important step i had taken in security was I had enabled crypto address " XXXX '' on Coinbase, to ensure no withdrawals happen outside my approved list of crypto address/wallet. According to Coinbase, if you enable whitelisting, no funds of any coin can be withdrawn outside the approved/whitelisted addresses/wallets. 
Despite this the hackers were able to withdraw to a net new ETH address.

Infact, I never have even setup an ETH address/wallet that is whitelisted.

Coinbase support has not been helpful at all. Infact they have not responded to my " XXXX  '' query since XXXX XXXX. Such a big fraud and look the way they treat customers and shrug off security responsibility. 

On XXXX XXXX XXXX sent approximately XXXX people errorneous 2FA reset text message. This means they have some serious problems with 2FA internal security and being a public company, they need to be transparent about their internal investigation. 

I have checked my phone for viruses with XXXX scanner and i have attached proof that my phone is not infected. 

I need strong action against this company. I need justice. I have lost my life savings here : (
Consumer complaint received 2019-12-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (FL)

I've disputed alleged account ( s ) XXXX and XXXX with previous collection companies this year and it was proven that both accounts were not my account and was removed from my credit reports. This account was acquired from a portfolio of debt and im tired of disputing this debts even though I was relieved from these alleged accounts. I've seeked counsel XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX to resolve this ongoing issue.
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX  XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX  XXXX Balance : {$3000.00} XXXX XXXX XXXX Balance XXXX {$6500.00} XXXX XXXX  XXXX Balance : {$2900.00}
Consumer complaint received 2021-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CO)

To Whom It May Concern : This letter is in response to your recent claim that [ insert name of creditor, collection agency, or court ] verified the account they are reporting is accurate.

Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.

In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information.

Name, address, and telephone number of each person contacted regarding this alleged account.

A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or XXXX verification is unacceptable. I am requesting a re-investigation along with your method of verification.

The item in question is inaccurate and represents a very serious reporting error.

I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately.

Thank you for your prompt attention to this matter. I look forward to resolving this matter as soon as possible. 

XXXX, XXXX XXXX
Consumer complaint received 2021-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please update all of my personal information on XXXX, Transunion, and XXXX. 


My only name is XXXX XXXX. 



My only address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NY, XXXX My only employer is Self Employed There may be individuals that have the same information as mine. Creditors may have entered my name, address, and/or employer incorrectly when requesting my credit report. Regardless there are forms of my name and addresses that should not appear in my credit file. 


Thanks XXXX XXXX
Consumer complaint received 2022-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of XXXX XXXX has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$3600.00} I believe it was reporting in error, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax credit bureaus shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.
Consumer complaint received 2024-04-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I want to file a formal complaint against Portfolio Recovery for egregious violations of my consumer rights. 
It has come to my attention after reviewing my credit report that Portfolio Recovery placed a collection on my consumer file without issuing the requisite notice and without notifying me of my right to dispute these alleged debts. 
I am unaware of this debt and I have no knowledge of these debt. 
I hereby declare my revocation of all communication channels with Portfolio Recovery including text messages, emails, and phone calls. I insist on engaging exclusively through written correspondence. 
In line with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I am formally requesting that Portfolio Recovery provide a purchase order agreement between them and the alleged original creditors. I am particularly concerned about this collection account which has been posted to my credit report. 
I demand the immediate deletion of this account from my credit report. 
The date on my consumer report indicating that I opened an account with Portfolio Recovery is blatantly false. I neither received any services or products from this company or entered into any contractual agreement with them. This misinformation tarnishes my credit history and infringes upon my consumer rights. It is also very deceptive. 
This company is in violation of the Fair Credit Reporting Act he Fair Debt Collection Practices Act and it also Defamation of Character. 
Portfolio Recovery not provided me with validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection account on my credit report.

Portfolio Recovery has not given me a chance to dispute accounts according to 12 CFR 1006.34 ( c ) ( 4 ) ( I ) Credit Collection Portfolio Recovery is violating my consumer rights by using false misleading misrepresentation and utilizing deceptive means.

Collection agencies have no authority to furnish any accounts to consumer reporting agencies without providing any and all disclosures required by law.

The actions of Portfolio Recovery constitute clear violations of 12 CFR 1006.34 ( d ), 12 CFR 1006.34 ( 4 ) ( i ), 12 CFR 1006.34 ( b ) ( 5 ), and 15 USC 1681-s 2 ( 7 ) ( A ).

I am formally demanding the swift deletion of these collections from my credit report on all the Credit Reporting Agencies that they reported to and I trust the Consumer Financial Protection Bureau will thoroughly investigate and address these infractions Account XXXX
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WI)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (VA)

I have sent several certified letter requesting the validated with documentation with my signature and my authorization to share my private medical information with a XXXX XXXX XXXX. 

Below is the letter I sent to the company and they had 30 days to respond and did not. 

Not surprisingly, I have NOT received evidence bearing my signature which would serve as proof of the above referenced account being reported accurately. 

Let this serve as confirmation that your explanation and description of procedures used to reach your conclusion are documented as evidence in my ongoing quest for justice. Your inability to provide ample evidence of the procedures and methods used to determine the accuracy and completeness of the information in question is also sufficiently documented. 

I am requesting to be provided with the following information for each individual who verified this alleged account : * Full Name * Mailing Address * Telephone Number This provided information will be used to inquire on specifically how they " verified '' without provided the previously requested evidence bearing my signature. 

Per a Federal Trade Commission opinion letter a simple printout of a bill or even an itemized document does not qualify as " verification ''. The opinion letter can be found here http : XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX XXXX a XXXX % XXXX % XXXX % XXXX Please immediately provide the previously requested evidence bearing my signature, or DELETE this account at once as it is clear there is no proof or binding obligation between myself and the alleged account. 

It goes without saying that I will continue to keep diligent records of all communications and correspondences and if this final attempt goes unresolved I will be filing formal complaints immediately with the agencies cc 'd on this communication. 

Your non-compliance with the FCRA and FDCPA exposes you to damages for such violations. I will seek a minimum of {$1000.00} in damages for each violation. Small claims would be filed for : XXXX Defamation * Violating the Fair Debt Collection Practices Act, particularly Section 807-8.

* Violating the Fair Credit Reporting Act, particularly Section 623-B *  Negligent Enablement of Identity Fraud The court is likely to request your presence in my local jurisdiction.