23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The issue involves the reporting of a charged-off account and the failure to provide the required Form 1099-C for canceled debt. A formal request was made for the issuance of Form 1099-C to ensure accurate reporting of the canceled debt, as per IRC Section 6050P. Despite previous requests and the company 's commitment to resolving the matter, the necessary documentation has not been provided.

It has been noted that once a debt is canceled and a Form 1099-C is issued, the credit report should no longer show a remaining balance due. However, the status of the account has not been updated to reflect this. Relevant laws and regulations, including the Fair Credit Reporting Act ( FCRA ), Internal Revenue Code ( IRC ) Section 6050P, and others, were cited to emphasize the importance of accurate reporting and compliance with legal requirements.

The resolution requests include the issuance of Form 1099-C within 30 days, immediate deletion of the reinserted charge-off from the credit report within 45 days, and compliance with the Servicemembers Civil Relief Act ( SCRA ) within 60 days, among others. Failure to provide Form 1099-C within the specified time frame may result in the filing of IRS Form 3949-A.

Thank you for your attention to this matter.
Product: Debt collection

Initial Contact : Date of initial contact : Mon, XX/XX/2024 Method : Email Summary : A detailed dispute was sent challenging the alleged debt of {$250.00} in move-out fees from an apartment purportedly inhabited five years ago. A request was made for the original lease agreement, move-out inspection report, photographs at move-out, the ledger of the account, and the Statement of Deposit Account ( SODA ). 

Agency 's Response : Date of response : Tues, XX/XX/2024 Method : Email ( with attached documents ) Summary : The collection agency provided a final account statement but did not include the requested photographs or a signed SODA. The account statement also lacked the necessary managerial signature, and the response fell short of the specific documentation demands outlined in the initial dispute. 

Follow-up Communication : Date of follow-up : Weds, XX/XX/2024 Method : Email Summary : A follow-up email was sent to the collection agency, reiterating the need for complete documentation as per the Fair Debt Collection Practices Act ( FDCPA ). The requirement for photographic evidence, a signed final account statement, and the SODA was emphasized. A deadline was given, after which further action, including filing complaints with the CFPB and FTC, was to be taken. 

Second Follow-up and Final Ultimatum : Date of second follow-up : Mon, XX/XX/2024 Method : Email Summary : After no response was received to the previous communication, a second follow-up email served as a final ultimatum. The agency was notified that without the requested documentation by the end of the day on Wednesday, XX/XX/XXXX, formal complaints with the CFPB and FTC would be filed. The agency was urged to take immediate action to comply with the requests or face further legal proceedings. 

Current Status : As of Thursday, XX/XX/2024, no adequate response has been received from ProCollect Incorporated. The documentation provided thus far does not meet the standards set by the FDCPA, and the claims made by the agency remain unsubstantiated. The final deadline given to the agency has passed, after which I am prepared to take the necessary steps to escalate the matter in defense of my consumer rights. 

Next Steps : In consequence of the agency 's unwillingness to cooperate or provide adequate documentation, the following actions will be initiated : 1. Filing a complaint with the Consumer Financial Protection Bureau ( CFPB ).

2. Filing a complaint with the Federal Trade Commission ( FTC ).

3. Exploring all legal avenues, including consultation with a consumer rights attorney.
Product: Checking or savings account

I am an XXXX  XXXX  student that moved in to NY less than a month ago. I have recently opened a Chase account so I could receive the XXXX  from my university. My friend, who is also an XXXX  student, did exactly the same thing. 
She had to transfer some money to me, so, after we opened our accounts, she tried to do a XXXX transfer in the amount of {$3000.00}. Because her account was new, she was not able to do it, so she did a {$500.00} XXXX transfer and Chase employee advised her to deposit me a check of the rest of the amount ( {$2500.00} ). 
This deposit had my account restricted because they can not verify her phone number. So now I'm not able to use my money or to deposit my university stipend check. 

I've called Chase several times and no one was able to do anything while she does not have a " good number ''. On XX/XX/XXXX, the XXXX of us went in person to a Chase branch with all of our IDs to discuss this in person, and again no result. They told us that the phone is the only way to verify a person! 
My friend even contacted her phone provider and they told her that the number is already registered in her name. 
So now I'm stuck with this restricted account that has my rent payment and I can't close my account, I can't solve this, I can deposit my payment. I can't do anything and apparently neither my friend nor anyone at Chase can. 

It is very frustrating and I am incredibly disappointed with my customer experience so far. I'm being punished for a data mismatch that is not my own data!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the information through XXXX XXXX in XXXX of XXXX is order for this information to be removed from my credit report. I have contacted a credit counseling agency and they will send letters to the credit bureaus to remove the information from my credit report. Basically someone has used my social security number to obtain student loans in my name. I was XXXX from XX/XX/XXXX through XX/XX/XXXX. I did not graduate from high school therefore I do not qualify for student loans and I have never attended a college or university.
Product: Credit reporting, credit repair services, or other personal consumer reports

as of XX/XX/XXXX i have noticed fraudelent accounts and inquiries on my credit report and consumer reports 15 U.S. code 1681c-2 a consumer reporting agency shall block the reporting of my information in this file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the receipt. 
I WANT TO DISPUTE THE 30 DAY LATE PAYMENT this account was paid in full Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Auto Loan Auto Loan Auto Loan Bureau Code : Individual Individual Individual Account Status : Closed Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$7000.00} {$7000.00} {$7000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Late 30 Days Current Late 30 Days Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Closed - Closed or paid account/zero balance Auto Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Checking or savings account

Name : XXXX XXXX XXXX ID : from early warnings Date of Birth : XX/XX/XXXX XXXX ID Type : Drivers License ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX ( XXXX ) XXXX I XXXX writing to request an investigation of the following information that appears on my XXXX XXXX XXXX XXXX XXXX. I have NEVER opened or used the following account numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I dont recognize the following accounts in question. XXXX a victim of identity theft and I dont recognize these accounts on my report. XXXX requesting the following information be deleted from my XXXX XXXX XXXX report immediately! Ive attached a copy of the report to this request. Thank you for your assistance. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the lack of response to my dispute letter dated XX/XX/2023. I am disappointed that Capital One Auto Finance has not adhered to the Fair Credit Reporting Act ( FCRA ) by failing to provide investigation results within the stipulated timeframe. This disregard for my dispute rights is alarming and has compelled me to file this formal complaint. 

In my dispute letter, I raised legitimate concerns regarding the accuracy and completeness of the account information being reported on my credit report. I outlined the discrepancies that I observed in the reporting of the account and brought to your attention that the reporting of the account as " charge off '' does not align with the absence of prior delinquency reporting, which is a clear violation of reporting guidelines. 

I expressed my confusion over the account 's reporting status, as it does not indicate any past-due history leading up to the charge off reporting date. This omission is a violation of accurate and complete reporting practices under the FCRA. Additionally, I pointed out that Capital One Auto Finance failed to provide detailed and verified information about me, further undermining the validity of the reported account. 

My intent in disputing the accuracy of this account was to ensure that my credit report accurately reflects my financial history and that any inaccuracies are promptly corrected. However, to my dismay, I have not received any communication or investigation results from Capital One Auto Finance regarding my dispute. 

This lack of response not only disregards my rights as a consumer but also undermines the integrity of the credit reporting process. According to the FCRA, credit reporting agencies and data furnishers are obligated to conduct timely and thorough investigations in response to consumer disputes. Failure to do so results in a breach of the FCRA and causes significant distress to consumers like me.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF THE RECENT DATA BREACH PLEASE REMOVE AND BLOCK THESE ACCOUNTS DUE TO THE RECENT DATA BREACH [ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] [ XXXX ] [ TRANSUNION ] [ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] Subject : Formal Dispute of Inaccurate Information Under FCRA ( 15 U.S.C. 1681n & 15 U.S.C. 1681o ) Dear [ TRANSUNION ], I am writing to formally dispute inaccurate information on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ). The following item ( s ) on my report contain errors and must be investigated and removed immediately : [ XXXX ] Account # [ XXXX ] Nature of Dispute : [ fraudulent account ] [ Inaccurate Information ] According to 15 U.S.C. 1681i, you are required to conduct a reasonable investigation of this dispute within 30 days. If the information is found to be inaccurate or unverifiable, it must be deleted or corrected. Additionally, under 15 U.S.C. 1681n, if you fail to comply with the FCRAs requirements willfully, you may be liable for actual damages, statutory damages of up to {$1000.00} per violation, punitive damages, and attorney fees. Under 15 U.S.C. 1681o, if noncompliance is due to negligence, you are still liable for damages, including legal costs. I demand that you correct or delete the inaccurate information from my credit report immediately. Please provide me with a written response detailing the results of your investigation. If the disputed item is not corrected, I will explore all legal remedies available to me. Enclosed are copies of supporting documents [ list documents such as a copy of your credit report with the inaccurate item highlighted, proof of identity, statements, etc. ] to assist in your investigation. Please respond in writing to the address above within the required timeframe. 

Sincerely, [ XXXX XXXX ]
Product: Debt collection

My Name is XXXX XXXX and I am writing this letter in response to a wrongful debt collection received as of XX/XX/XXXX. 
The Debt in question has the following information : - PATIENT ACCOUNT # - XXXX - LETTER DATE - XX/XX/XXXX - AMOUNT DEBT - {$950.00} - REFERENCE - XXXX - XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX - TRANSWORLD SYSTEMS INC I am filing this complain in regards to the charge issued by this XXXX for an XXXX  that was conducted without my previous consent. I strongly dispute this charge and would like to provide further information about the circumstances surrounding this matter. 

On XX/XX/XXXX, I visited the XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX, for a XXXX XXXX. During this XXXX, I was explicitly informed by the staff about the XXXX XXXX and the procedure to move forward with the test which included ( as per the consent signed on that day ) : 1 - The XXXX would reach out to inform the cost of the exam. 

XXXX - Upon receiving that information, I would then need to approve the test by providing the XXXX a written approval and consent for the XXXX to be performed. 

The consent signed on that day had a clause that reads : A separate consent indicating an estimate of your potential cost share will be provided for your acknowledgement. Both consents must be signed to proceed with the testing. 

After a couple days, I received a call from the XXXX in which the representative affirmed that they were not sure how much the test would cost me saying it could be anywhere from {$50.00} to {$950.00}. Based on that extremely inaccurate information, I DID NOT give them the approval to proceed though the phone not to mention in written. 

Despite my clear instructions, the staff proceeded to conduct the XXXX XXXX  without my consent or authorization. As a result of this breach of trust, I not only feel violated but also deeply disrespected. My privacy and autonomy were not respected, and the rules established on the clause were not followed accordingly. 

I have called the XXXX multiple times, spoken with a representative named XXXX. I've already sent a letter to them requesting the bill to be cancelled, and they ended up sending the amount to the above mentioned debt collector. 

I hope that this matter can be resolved in a timely and satisfactory manner. 

I appreciate your attention to this issue and look forward to hearing back from you as soon as possible. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I am rewriting my complaint as the system threw me out and when I signed back in, there was nothing saved here as there is no draft system. Kindly create a draft system here so I wont have to waste another hour. 

I will have to keep it much shorter than before this time. Capital One did not look into a fraudulent card activity I have been asking them for the past 6 months. When provided with all the evidence initially, they stated only recently that they did not receive all of my XXXX documents 6 months ago and neither is there a way for a customer to verify how many documents were successfully sent since they have to be sent on their software upload system and not by email directly. 

Just recently XXXX 12 days ago ) they informed me that they did not receive all documents 6 months ago, hence why they keep favoring the merchant that is causing the fraud. Then they asked me to resend the documents individually per every email upload system. After successfully doing that, they then called me 3 days ago and said they are closing my entire complaint because I ran out of time and awarded the merchant to continue with their fraudulent activities. XXXX was the company involved that took out money from my account without my permission and never responded to my complaint even when asked 4 times. Then at XXXX point they even promised to reimburse me the money but then when they found out that Capital One is not investigating them long enough ( based on incomplete documents perhaps XXXX, then they also stopped responding to me.
Product: Vehicle loan or lease

I received my most recent statement from Chrysler Capital Friday XXXX XXXX. I made a payment using bill payer from my bank, which I use for all my payments with Chrysler Capital. Reviewing the statement I had questions about the balance on my loan. 

I contacted Chrysler Capital and discussed the issue with their rep. I confirmed that the original loan was for {XXXX}. I asked the rep to confirm how payments I had made. At one point it was XXXX, another then XXXX, and then XXXX. He had no idea which number was correct. Reviewing the statement it stated I had made XXXX payments of {XXXX} each. He confirmed the amounts of the payments. I asked why if I had made XXXX {$XXXX} payments why my payoff showed a total of {XXXX}. I asked why it was that high since XXXX X XXXX is {XXXX}. Subtracting the {XXXX} from {$XXXX} leaves a balance of {XXXX}. Why was the payoff {XXXX} more on the statement? 

He checked various records but could not come up with any explanation and promised to have someone or hi boss call me before the end of the day. No one called. 

I have no confidence that Chrysler Capital has any idea of what is going on with my account and do not trust them. Why ca n't they find records that can explain what happened to my payments and the discrepancy between my calculations of what the payoff balance should based on their record on my statement reporting I had made XXXX payments.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and request that the following accounts and inquiries be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were opened or made as a result of unauthorized access to my personal information, and I am requesting their immediate removal from my credit file. 
ACCOUNTS TO BE BLOCKED AND DELETED : XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} INQUIRIES TO BE BLOCKED AND DELETED : XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card

On XX/XX/XXXX, I booked a prepaid hotel reservation through Chase XXXX for the XXXX XXXX XXXX, NC. The stay was prepaid and charged to my card ending in XXXX by Chase XXXX on XX/XX/XXXX for {$310.00}. The booking confirmation shows total cost of stay was charged at time of booking. 

On XX/XX/XXXX, the hotel mistakenly charged my card for the full cost of the stay. On XX/XX/XXXX, I contacted the hotel and was told that they made a mistake and should not have charged my card. The XXXX said that the charge would be corrected. I also spoke with Chase XXXX on XX/XX/XXXX and XXXX, who reaffirmed the same facts. 

On XX/XX/XXXX, I received a second call from the hotel saying that they were still working on it, and I should expect to hear from the XXXX with a resolution on XX/XX/XXXX. I received no further contact from the hotel. 

I called Chase on XX/XX/XXXX and indicated that I would like to dispute the charge from XX/XX/XXXX from XXXX Hotels for XXXX. I was transferred repeatedly after lengthy holds. The first representative from the disputes department refused to open the dispute because " you have to wait 15 days. '' A supervisor then agreed that I should be allowed to dispute the charge but could not do so herself. She transferred me back to the disputes department for a second time. The next representative told me that " because the charge was made with the card present, it can not be disputed. '' I explained that they had my card on file for any incidentals, and I did not authorize an additional room charge. She also refused to connect me with a supervisor. 

I would like Chase to open this dispute on my behalf. I would also like Chase to investigate why multiple representatives from its disputes department provided false information and refused to open a dispute.
Product: Debt collection

On XXXX of this year we were contacted by XXXX XXXX XXXX ( XXXX ), a collection agency, hired by XXXX XXXX in XXXX, TX. 

We inmediately responded to the debt collection agency but they did not reply or acknoledged our communications. Instead a few months later we received notices from different bank institutions that our credit score has been penalized because XXXX filed this report. We were flabagastered that they can do anything like that and we felt defenseless. Our credit report has been impleacable for decades and the action of a rogue, umprofessional agency feel they can go ahead and damaged our financial credibility is just wrong. We are seeking an inmediate withdraw of that report and we hope that CFPB would help us defend ourselves in this matter. 

We used XXXX Pools for a few months, back in 2022 but overall we had to switch to a more efficient company because of the poor quality of their service and under trained workers they had. At one point our robot needed a new valve and after reminding them 3 or 4 times they installed it... backwards!! The pool would frequently look unkept and the fountain area greenish. We owned the house for over 7 years at that time and never had greenish water on that area. 
On XX/XX/2022 they recommended us to clean the pool filters and we agreed to that charge although they quoate us higher than ever for that service ) the following day the pool system stopped working. We called and they fixed it but wanted to charge us an additional {$180.00} which we disputed. 

We were very unhappy with their handling of the issue and decided not to work with them anymore. We left repeated messages about cancelling the invoice but they kept sending it without any explanation. 

We did not agree not to sign any invoices, proposals, or contracts for these services for the month of XX/XX/2022 and we told them that we have no intention to pay for them, first to the XXXX XXXX company and then to the Debt Collection company. We dutily paid for every other invoice they sent us in the past, like we had done always with the previous company we had used. This is inmoral and probably illegal and we are seeking for some guidence to make sure they dont do this in the future to us or other people.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ( XXXX ) wrongfully reported my XXXX payment on Loan # XXXX as delinquent to the 3 credit bureaus, causing a significant drop in my credit score. The payment was issued by XXXX on XXXX XXXX ( check # XXXX ) and cashed by XXXX on XX/XX/2022 ). Despite me providing proof of payment to XXXX by Email on XX/XX/2022, XXXX PM EST, and several calls afterwards ( Case # XXXX ; Case # XXXX ), XXXX still decided to notify the Bureau in XXXX damaging my credit history and score for no reason.
Product: Debt collection

Received mail from debt collector named American Coradius International LLC on a XXXX account in which I owe {$20.00} with additional debts that were applied. Scammers. Please advise the public in this company. I do not owe XXXX nor them any money. 

Thanks
Product: Debt collection

TRANSWORLD SYSTEM INC I have attached a letter in PDF format, showing you why this account needs to be deleted and removed from my credit reports it goes against XXXX XXXX compliance and FRCA 611 and 1681.
Product: Mortgage

I have had hardships in 2016 in which caused me to fall behind on my mortgage with Nationstar. I have been trying for over a full year to get Nationstar agents to work with me on a reasonable payment plan. The most frustrating part of it all is the fact that Nationstar received {$25.00} XXXX dollars in incentive payments for loan modifications from the Department of Treasury, as part of programs such as Making Homes Affordable.