23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am filing a complaint against Caine and Weiner for their failure to validate a debt they are attempting to collect from me and for reporting inaccurate information to the credit bureaus. 

I received a collection notice from Caine and Weiner regarding a debt they claimed I owed. I immediately disputed the debt, as I did not recognize it and had no contract or agreement with Caine and Weiner. I requested validation of the debt, including a detailed breakdown of the amount owed, the name and contact information of the original creditor, the original contract, and proof that Caine and Weiner had the legal right to collect the debt. 

Despite my request, Caine and Weiner failed to provide the necessary documentation to validate the debt. Instead, they continued to report the disputed and unvalidated debt to the credit bureaus, negatively impacting my credit score. This is a violation of the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g, which requires debt collectors to cease collection activities until they validate the debt. 

Furthermore, Caine and Weiner did not provide their state license number or information on what activities their license permits them to engage in, as requested. This raises concerns about their compliance with state and federal regulations. 

Their actions have caused significant stress and financial hardship. The continued presence of this unvalidated debt on my credit report is unfair and damaging. I request that Caine and Weiner immediately cease all collection activities, remove the account from my credit report, and provide full validation of the debt as required by law. 

Thank you for your assistance in resolving this matter.
Product: Credit reporting or other personal consumer reports

My credit report lists hard inquiries I didnt permit. Please delete all such unauthorized entries.
Product: Debt collection

I have stayed in complete contact with the company. I do owe {$1700.00} and I've paid to where I owe {$1300.00}. I am having financial difficulties and I'm trying to make the paymens. I've have been threatened numerous times. They initially stated they would take us to court to sue us, they've also stated garnishment of wages. Then the person I'm working with literally states that she ever said anything to me. I'm so upset and over them threatening me. I would like to have this situation looked into.
Product: Debt collection

I was sent to collection by XXXX XXXX for a debt the was supposed to be sent to XXXX XXXX. XXXX never forwarded the bill to XXXX XXXX, but instead put me in the hands of XXXX collection and now Overto Russell & Doer. This account is XXXX years old. I have documentation from XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Approximately XXXX of 2019 I requested that XXXX XXXX XXXX would correct the late payments showing on my credit bureau for both of my credit cards with them one XXXX  and one XXXX because XXXX autopay. The autopay worked for a couple of payments then stopped. There was an account number change that could have been the reason for the autopay being removed but it is XXXX XXXX  XXXX 's responsibility to reinstate the same services I had on the accounts. 

When I noticed there was no Autopay a couple of months later, I called and requested to reinstate autopay and correct the late payments. The representative reinstated the autopay and refunded the fees but failed to correct the late occurrences on the accounts. 

I requested a loan to pay off my debts today and the bank gave me a copy of my credit bureau. Both of the XXXX XXXXXXXX XXXX cards XXXX and XXXX are showing late payments and furthermore ; are not showing as a current payments and in good standing. These two account do not appear in my current accounts. They both show up under derogatory accounts and not showing under current accounts. These two accounts I have had with XXXX XXXX XXXX for over 20 years. 

There has been previous account number changes but never closed and reopened. The late payments and the way it is reporting on my credit bureaus is negatively impacting my credit score and credit history. I have autopay on all of my credit cards to avoid this. 

I just spent over an hour attempting to contact them through their customer service phone number. Only to speak with a representative named XXXX from New York to tell me I have the wrong department and put me back into the general Queue which doesn't give an option for disputing erroneous information reported on the credit bureau. This make is appear as though there is no accountability on the part of XXXX XXXX XXXXXXXX to make this right. They collect fees but have no contact available through their automated system to contact this department.
Product: Student loan

I consolidated my FFEL loans with FedLoan to qualify for public service loan forgiveness. I submitted my app on XX/XX/21 with receipt confirmation on XX/XX/21. Since then I've heard nothing. My employe4 hasn't even been certified. Try to call them and you are spending a minimum of an hour on hold. Once I spent close to XXXX  hours on hold, someone answered then hung up on me. Then they tell you they have no information and continue waiting. I've sent multiple emails to customer service with no response other than the autogenerated email receipt. This is disgusting
Product: Student loan

Im trying to responsibly pay off my student loans more quickly, but Heartland XXXX   charges convenience fees for additional one-time ACH payments. Ive had student loans with other services and this is the only company Ive experienced which charges additional monies for one-time ACH payments. Just because something is legal doesnt make it right I intend to escalate this issue with University XXXX and potentially petition for the University of XXXX and other universities broadly not to use the services of Heartland XXXX in the future.
Product: Checking or savings account

Back in  XXXX   XXXX , I asked Bank of America to close  XXXX  of my Traditional IRA CDs & reinvest them to a Traditional IRA Money Market accounts. I have never taken the money out of the bank. So these are not rollover transactions.     But the Bank of America agent wrongly reported the transactions as premature early distribution under  XXXX  and also as rollovers. As a result,  BOA report ed these transactions to IRS as  XXXX  Rollovers & sent me  XXXX  (  XXXX  )  XXXX  which would have gotten me penalized by IRS for having  XXXX  Rollovers in a year. Which in fact, there was no Rollover transaction at all.     On  XXXX   XXXX ,  XXXX  My wife & I went to the Bank of America branch on  XXXX   XXXX ,  XXXX  to file a complaint, but instead of correcting their mistake, they insisted that they did nothing wrong. Even the bank  manager  thought so. We spent hours at that branch arguing back & forth to no avail. We were very exhausted, wasting our time & energy trying to tell them what they did wrong. They blamed us for signing the paperwork, that meant we 've agreed on the way they did the transactions. But we are customers who got no training on how to do the banking transactions. These bank employees were supposed to know how to do their business. It 's their job! But what happened shows th at BOA did not train their  employees properly, make them incompetent to do the regular banking business transactions.     We were devastated & did n't know what to do. We were so scared to file the   XXXX   taxes because we know if we filed, IRS would audit our tax return. Up to today, we have n't filed our   XXXX   taxes, both the  Federal & CA. T his has caused us a lot of stress, we were never late to file our taxes before this incident. To make the matter worse, CA  XXXX  recently sent a letter that we have to file   XXXX   tax return by  XXXX   XXXX ,  XXXX , or they will take a legal action.
Product: Credit card or prepaid card

I purchased a {$10.00} gift card for XXXX XXXX. I gave it to my wife as a XXXX XXXX XXXX. The card says it was issued and copyrighted in XX/XX/2012. The card also says : " No fees or expiration date applicable to this card. '' My wife put the card away and came across it today and another similar card. 

She was able to redeem the other card but this one I am complaining about initially said it was accepted and then said it had expired. 

I called XXXX and they told me that they had trouble with scammers and now their cards have an expiration date and they decided to retroactively apply this policy to all cards. 

It's only {$10.00} but the idea that they can announce that a card that says, " No fees or expiration date applicable to this card. '' is now expired seems wrong to me.
Product: Credit reporting

I contacted Equifax to dispute a collection item listed on my credit from XXXX XXXX XXXX XXXX. Equifax clearly has not validated this item with XXXX XXXX XXXX XXXX who has not provide me with any documentation showing that I was supposedly admitted to XXXX XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX. I called and spoke with representative from XXXX XXXX XXXX today XXXX/XXXX/XXXX who advice me that it is not XXXX XXXX XXXX responsibility or job to validate debt. Representative informed me it is the responsibility of Equifax to investigate item and determine whether or not debt reporting is accurate. I would appreciate if Equifax would do their job properly to truly investigate this item thoroughly. Neither Equifax or XXXX XXXX XXXX have mail to me any documentation to validate this debt. The representatives from XXXX XXXX know that Equifax or other collection agencies are not going to make them validate item and just wait out the 30 or 60 days required by Federal law to investigate disputes such as mine or just tell Equifax the item is valid if they just simply verify my social security number and/or address without providing any additional documentation to validate debit
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX regarding FHA home loan has been misapplied my monthly payments to " suspense account '' instead of " regular payments '', which we tried very hard to do regular payments despite of financial hardship due to COVID. 

1.Paid XXXX, {$3300.00} was placed in suspense acct, reflected 30 days late 2.Paid XXXX, {$3000.00} was placed in suspense acct, reflected 30 days late 3.Paid XXXX, {$3000.00} was placed in suspense acct, reflected 30 days late 4.Paid XXXX, {$3000.00} was placed in suspense acct, reflected 30 days late 5.Paid XXXX, {$3000.00} was placed in suspense acct, reflected 30 days late 6.Paid XXXX, {$3000.00} was placed in suspense acct, reflected 30 days late 7.Paid XXXX, {$3000.00} was placed in suspense acct, reflected 30 days late 8.Paid XXXX, {$3000.00} was placed in suspense acct, reflected 30 days late 9.Paid XXXX, {$3000.00} was placed in suspense acct, reflected 30 days late 10.Paid XXXX, {$3000.00} was placed in suspense acct, reflected 30 days late 11.Paid XXXX, {$3000.00} was placed in suspense acct, reflected 30 days late 12.Paid XXXX, payment for XX/XX/2020 {$3400.00} was placed in suspense acct, reflected 30 days late 13.Paid XXXX, XXXX was placed in suspense acct, reflected 30 days late 14.Paid XXXX, XXXX was placed in suspense acct, reflected 30 days late 15.Paid XXXX, XXXX was placed in suspense acct, reflected 30 days late 16.Paid XXXX, payment for XX/XX/2020 {$3500.00} was placed in suspense acct, reflected 30 days late 17.Paid XXXX, {$3500.00} was placed in suspense acct, reflected 30 days late 18.Paid XXXX, {$3400.00} was placed in suspense acct, reflected 30 days late 19.Paid XXXX, {$3500.00} was placed in suspense acct, reflected 30 days late 20.Paid XXXX, {$3400.00} was placed in suspense acct, reflected 30 days late 21.Paid XXXX, {$3400.00} was placed in suspense acct, reflected 30 days late 22.Paid XXXX, {$3500.00} was placed in suspense acct, reflected 30 days late 23.Paid XXXX, {$3400.00} was placed in suspense acct, reflected 30 days late 24.Paid XXXX, {$3400.00} was placed in suspense acct, reflected 30 days late
Product: Mortgage

The primary mortgage for my property, located at XXXX XXXX XXXX XXXX, XXXX, XXXX, NY XXXX is currently held by Capital One ( Loan # XXXX ) - however they are not the original mortgator. In the process of conducting a title search, it appears that the title was never updated when Capital One took over the mortgage. I am now attempting to obtain documentation to update this, and to refinance my HELOC ( with XXXX ) and I am getting the runaround from Capital One. They have been unresponsive, unavailable to speak with and have told me it will take them 30 days to address. In the meantime, XXXX has told me I have 5-10 days to correct the title, or forfeit the HELOC application.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is fraudulent, this account is unauthorized. Delete, block, and remove the fraudulent account.
Product: Debt collection

I sent initial dispute through CFPB and I got a respond of validation shown me screenshots of a billing statement. Southwest Credit says that XXXX says the debt is valid. Okay so I am asking for you to provide me with the contract that bears my signature with XXXX If you are unable to provide that I am asking that you respectfully delete immediately
Product: Debt collection

I originally disputed this collections from Enhanced Recovery and they were removed. I disputed the addresses, my name, my social security number and the dates. Enhanced Recovery removed them then put them back. Then they sent me a paper that they removed them but wanted additional information but also said it was not necessary and it wasn't an attempt to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 16811 ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX, XXXX, and transunion did not modify or removed anything. 
The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on XXXX credit reports Which is a violation. This is impacting me from moving forward with getting a new and buying a house for my family. XXXX, XXXX, and transunion violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit acceptance closed this account on my credit report then opened it back as late payments this information is incorrect and is illegal on how it is posted on my report. I have wrote them a certified letter twice asking them to remove this with no response for over 60 days.
Product: Debt collection

I received a letter in the mail from an attorney.Lyons, Doughty & Veldhuis PC representing XXXX XXXX XXXX stating that suit has been filed against me.I sent a debt validation letter to them and in the letter.I requested that all legal proceedings regarding this debt cease and desist against me until the debt has been validated.Under the fair credit reporting act and they still are continuing to attempt to contact me.This alleged debt is still not validated and they continue to continue me.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX hours spoke to XXXX from Wells Fargo escalation dept. She refused to investigate false information provided by credit bureau.I sent documents of report. It wrongfully provides an account that I am not aware of and states my balance was exceeded.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXXXXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX # XXXX Account name XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXXXXXX XXXX # XXXX Account XXXX : XXXX XXXX XXXX # XXXX Account name : XXXX  # XXXX Account name : XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 by 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 has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

In XXXX I opened a home equity loan account with what was known then as T.D. North Bank in XXXX XXXX All went as was suppose to, I got my payment book, and began making my payments. The amount due was {$180.00}, of which I paid until in XXXX of XXXX I started to pay {$180.00}. A round up of XXXX cents every month. This was because of hearing from many sources that every extra penny paid toward the principle could help shorten the length of payments over time. When the bank now known as TD Bank stopped using payment books, I had to use their monthly statements that they sent to me to make my payments. No problem except I noticed that they were showing a lesser amount of money due each month, than the agreed {$180.00}. With a few calls I found that the amount due was still the same, but the they wanted me to use the extra accumulated funds toward the monthly payment, and not toward the principle. I have had this problem occur several times with this bank, and with frustrating calls to numb skulls who do n't any thing about banking, ending up talking to some one with some experience correcting the problem. Well it has happened again, I called when making XX/XX/XXXX 's payment, I was told it was taken care of. I got a print out from one XXXX XXXX, Loan Operations Supervisor. It showed my account from XXXX/XXXX/XXXX, XXXX payment on XXXX/XXXX/XXXX to XXXX XXXX of XXXX, as well as a letter telling me this was the information I requested. 
I think this speaks volumes to the incompetence of this financial institution. 
When I went to their web sit today to make my monthly payment, I found they had not applied the extra funds to the principle, in fact they are still floating as they have in the past. 
The amount due is {$180.00} per month, I pay {$180.00} each month. a surplus of XXXX @ month. The web site today showed I had to pay only {$170.00}, a difference of {$8.00}. Now if you do some basic math, {$8.00} - : - XXXX c = XXXX, that is XXXX payments I have made with the extra XXXX cents just floating, not applied as I was told they would do. 
I am XXXX, and on S.S., as well as with out transportation. That is why I pay every thing on line when possible.
Product: Credit reporting or other personal consumer reports

The following accounts are reporting on my credit, I suspect identity theft, I contacted the FTC and did a report, filed a dispute with all three credit bureaus but there are still items reporting. 

The disputed items are : XXXXXXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$7500.00} XXXXXXXX XXXX XXXX XXXXXXXX {$1500.00}
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I pulled my credit report in preparation for a mortgage application and discovered several accounts fraudulently opened in my name. Since then, I have taken multiple steps to resolve this issue, including disputing these accounts with the credit bureaus, debt collectors, and the original creditors. I have sent certified letters to all parties involved, but they have failed to rectify the situation and have not provided adequate documentation within the required legal timeframe. 

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ), ** credit reporting agencies are required to investigate disputes regarding the accuracy of any item in a consumers file within 30 days of receiving the dispute. The credit bureaus involved have failed to meet this obligation, as they have not properly investigated or removed these fraudulent accounts. Additionally, under Section 609 ( e ) ( 15 U.S.C. 1681g ( e ) ), when an identity theft report is filed, I have the right to request all information related to the fraudulent accounts. This has not been adequately provided. 

The accounts in dispute are : XXXX XXXX XXXX Account # XXXX ) opened on XX/XX/XXXX with a balance of {$3600.00}, XXXX XXXX XXXX Account # XXXX ) opened on XX/XX/XXXX with a balance of {$160.00}, XXXXXXXX XXXX XXXX Account XXXX XXXX ) opened on XX/XX/XXXX with a balance of {$580.00}, XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ) reported as opened on XX/XX/XXXX with a balance of {$1700.00}, Collection account from XXXX XXXX XXXX ( Account XXXX XXXX ) with a balance of {$890.00}. The original creditor is XXXX XXXX, Collection account from XXXX XXXX XXXX  ( Account # XXXX ) with a balance of {$5300.00}. The original creditor is XXXX XXXX and XXXX ( Account # XXXX ) opened on XX/XX/XXXX with a balance of {$5200.00} I have also submitted an FTC Identity Theft Report regarding these fraudulent accounts, which further strengthens my case under Section 605B ( 15 U.S.C. 1681c-2 ), which requires the credit bureaus to block the reporting of fraudulent information once the identity theft report is provided. 

Furthermore, the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ) ( 15 U.S.C. 1692g ( b ) ), mandates that debt collectors must cease collection activity until the disputed debt is verified. Despite my certified letters, the debt collectors involved have failed to provide adequate verification of the debts within the required timeframe. 

Given that both the credit reporting agencies and the debt collectors have not complied with these legal obligations, I am requesting that these accounts be removed from my credit report immediately. 

All relevant documentation, including my FTC Identity Theft Report, is attached to this submission.
Product: Checking or savings account

On XX/XX/2023 I received a text message from my mobile banking ( Regions Banking ) that a series of transactions had occurred on my checking account eventually amounting to a total of {$5300.00}. Some of these transactions took place near my home and XXXX other transactions took place in XXXX, WA which is XXXX minutes away from XXXX where I live. I then filed a claim with my bank stating that I had never received the debit card which was used to make these transactions. I have recently learned that my fraud claims have been denied by my bank. They did not even have the decency to email me saying that the claims had been denied, I had to call them multiple times. They denied my fraudulent claims because they said the transactions took place near where I live and typically use my debit card. That is crazy to me, as I have never shopped in any of those stores where the transactions took place nor have I used an ATM in XXXX before! I also never travelled to XXXX, WA the night of XX/XX/2023 where someone spent a total of {$3000.00}. Regions Bank also said that the card was delivered to my apartment, but I never received the card and never activated it myself. The bank says that someone would need personal information to activate the card, but again I never received the debit card and never purposely or willingly gave away personal information.