23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Received a letter on XXXX2018, regarding a debt with XXXX XXXX XXXX XXXX, Contacted Atlantic Credit and Finance Incorporated, XXXX. XXXX XXXX XXXX, VA XXXX. XXXX AFC : XXXX Account Number : XXXX Called : XXXX XXXX XXXX Current Servicer : Atlantic Credit and Finance Inc. 

When calling, I was transferred to several people with in the Credit and Finance group to settle a debt, the employee stated this was an attempt to collect a debt, then I was placed on a brief hold and transferred to a representive. 
I was ask a brief couple of questions regarding the debt and answered the questions in regards to the letter sent to my home by Atlantic Credit and Finance Inc./ :  XXXX XXXX XXXX . 
Why did it take so long to pay your bill? 
What did you do with your income and monthly income? 
o What bills are a priority in your household? 
Why did you neglect your XXXX XXXX card statement? 
Did you have an issues at your home where you needed to replace items or a fire or natural causes of a disaster? 
Do you have health issues? 
Employment hours reduced beyond your control? 
I answered the question several times, repeating the answers and then asked to settle the credit card debt, as instructed in the written letter sent by this said firm. I was then transferred to a manager and the same process was repeated. 
Why did it take so long to pay your bill? 
What did you do with your income and monthly income? 
What bills are a priority in your household? 
Why did you neglect your XXXX XXXX card statement? 
Did you have an issues at your home where you needed to replace items or a fire or natural causes of a disaster? 
Do you have health issues? 
Employment hours reduced beyond your control? 
I then became upset and requested a settlement of which I was denied, and I hung up the phone and called our family lawyer the firm is not willing to settle a debt.
Product: Credit reporting or other personal consumer reports

1692g. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ( 2 ) the name of the creditor to whom the debt is owed ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 

( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 

list of company`s i have mailed letters to and they failed to show any proof of a receipt that i gave any permission to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOTICE ; IF A CONSUMER NOTIFIES A DEBT COLLECTER THAT THE CONSUMER REFUSES TO PAY A DEBT THE DEBT COLLECTOR MUST CEASE ALL COMMUNICATION I HAVE WRITTEN ALL OF LIST PROVIDED NO RESPONSE WITH XXXX DAYS THAT IS A FORM OF WRITTEN CONSUMMER REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is in response to your recent claim regarding account # XXXX which you claim I owe {$690.00}. 
Yet again, you have failed to provide me with a copy of any viable evidence bearing my signature showing that the account is being reported accurately. 
Be advised that the deception of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, please provide the name address and telephone number of each person who personally verified this alleged account so that I can inquire about how they verified without providing any proof bearing my signature. 
As per FTC opinion letter from attorney, XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the consumer financial protection bureau and the attorney generals office. Should you continue in your non compliance of federal laws under the fair debt collection, practices act, the fair credit reporting act in the corresponding local state laws. I further remind you that you may be liable for your willful non compliance.

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : - defamation -negligent enablement of identity fraud -Violation of the fair credit reporting act, ( including but not limited to section 807-8 ) -Violation of the fair credit reporting act, ( including but not limited to section 623 -b ) You will be required to appear in a court being used local to me in order to formally defend yourself.

P S. Please be aware that, depending on your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC XXXX XXXX XXXX XXXX CC : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone fraudulently switched the title/ownership to a vehicle I had and repossessed it back in XX/XX/2017. The DMV investigated and prosecuted this person, I never got the car back although DMV was aware that fraud was committed and I had nothing to do with it. This vehicle is being reported on my credit as a charge off with numerous late payments however I have provided the furnisher as well as All 3 credit bureaus with over 10 certified documents from the DMV showing the day the title was transferred, who actually did it, the new title to the car once it was done and an investigation report. I mailed these documents in and Ive spoken with several representatives over the phone. The furnisher is still not removing this account from my credit report nor are the credit bureaus when it was clearly fraudulently taken from me and was not a charge off, XXXX XXXX  has been aware of this incident since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized hard inquiries from XXXX XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, TD Bank USA/ Target C XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, and XXXX XXXX   XX/XX/XXXX these inquires were not made by me and need to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2016 Wells Fargo has a hard inquiry pull which is invalid
Product: Student loan

When I received an email stating that I was going to have student loans canceled due to misinformation given by XXXX  XXXX XXXX, I was ecstatic because I'm having issues repaying it. However, I was told by a XXXX  representative that only my federal loans would be forgiven, not my private loan unless I consolidated. So, I consolidated, however, the Navient representative gave me false information. I followed up on this with an email to studentaid on XX/XX/year>. 

Consolidation does not included bundling both federal and private loans together AND private loans are NOT eligible for forgiveness. Now I've lost all of my loan rights for consolidating them and are still required to pay for the private loans although my federal loans for this institution were forgiven due to negligence. Since consolidation, my loans are now serviced by Mohela.
Product: Credit reporting or other personal consumer reports

Capital One charged off my account, but I did not receive a 1099-C form for the canceled debt, which the IRS requires them to issue when they forgive a debt of {$600.00} or more. As of the date of this letter, I have not received the necessary documentation to report this debt cancellation on my tax return. Despite my attempts to resolve the issue directly with Capital One, they have failed to issue the 1099-C form or provide any explanation for their non-compliance.

As a result, I am concerned about the potential tax implications, as this debt cancellation may be considered taxable income. I believe that Capital One 's failure to issue the required tax documentation has caused me unnecessary confusion and potential financial harm. Additionally, I am concerned that they may have violated consumer protection laws by failing to adhere to IRS reporting requirements, especially if they have reported this debt as a charge-off on my credit report without issuing the appropriate documentation.

It has come to my attention that this alleged debt, which has been discharged, is being treated as a Negative Item on my consumer report, which had an impact on my life and my family 's. I would like to clarify that Canceled Debt is prohibited from being reported on consumer credit reports. This inclusion of canceled debt should be considered as taxable income on my tax return. However, I never received this document even though it was charged off as of 2023.

This may inadvertently create tax complications, as you were required to send the 1099 c document prior to year end XXXX
Product: Debt collection

I have tried to dispute this issue for a while now. I have called the XXXX XXXX, written emails with no avail. I NEVER received any bill for this matter at all. NOT ONE. They never called, I never got any mail, and they never sent anything to me that had to be signed ( certified ) to make sure I got it, nothing. I had disputed this on one of the credit bureaus and it has been removed. This is hurting my credit score for something I was not aware of and never received. When i saw it on my report I tried to contact them directly, all I got was a transfer all around the hospital. I dont believe this is fair to put on somebodys credit report immediately without trying to reach me another way if they saw the bill was not being paid.
Product: Checking or savings account

I complained because, they charged overdraft fee like {$400.00} because, I didnt not have money to cover the but I did, they did not deposited on time just to charge me overdraft fee.
Product: Credit reporting or other personal consumer reports

Subject : Request for Deletion of Accounts Violating My Rights Dear [ Credit Bureau Name ], I hope this letter finds you well. I am writing to bring to your attention certain accounts on my credit report that have been reported inaccurately and have violated my rights as outlined by XXXX XXXX. 

As per my rights under the Fair Credit Reporting Act ( FCRA ) and other relevant legislation, I kindly request the immediate deletion of the following accounts from my credit report : Account # XXXX Account # XXXX, account # XXXX Account # XXXX, account # XXXX, account # XXXX account # XXXX account # XXXX These accounts have been reported in violation of my rights under XXXX XXXX, specifically has violated my rights. 
15 U.S.C 1681 section 602 A. States | 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 an account without my written instructions. The inaccurate reporting and violation of my rights have caused significant harm to my creditworthiness and financial well-being. 

I have taken the necessary steps to address these issues directly with the respective creditors, but the inaccurate information continues to negatively impact my creditworthiness. Therefore, I kindly request your immediate intervention in removing these accounts from my credit report. 

Enclosed with this letter, please find copies of supporting documentation highlighting the inaccuracies and violations for your review and reference. I trust that you will conduct a thorough investigation into these matters and take appropriate action. 

In accordance with FCRA guidelines, I request written confirmation of the deletion of these accounts from my credit report within XXXX business days. Additionally, I request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 

I appreciate your prompt attention to this matter and your cooperation in rectifying the inaccuracies on my credit report. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting

Transunion is reporting wrong information regarding my XXXX XXXX XXXX XXXX. The loan was opened in XXXX XXXX for XXXX months. They are reporting the XXXX payment as XXXX XXXX which is incorrect. 
XXXX XXXX XXXX, XXXX Open - Current XXXX Missed Payments {$9200.00} Account Details Last Reported XXXX XXXX, XXXX Creditor Name XXXX Account Type Automobile Account Status Open Opened Date XXXX XXXX, XXXX Closed Date -- Limit -- Term XXXX Months Monthly Payment {$410.00} Responsibility Individual Balance {$9200.00} Highest Balance {$20000.00} Payment Status Current Worst Payment Status XXXX Days Late Date of Last Payment XXXX XXXX, XXXX Amount Past Due $ 0 Times XXXX/XXXX/XXXX Days Late XXXX Remarks Dispute resolved ; reported by grantor
Product: Credit card

In the last two days XXXX, I tried to transfer Capital One points to an outside partner. Each time I click on the transfer link, it takes me to a two step verification page. The current number I have on file is not accepted as a verification method. I spoke with three customer service representatives on XX/XX/13, and none of them were able to solve the issue. They said it was a system transfer issue. I signed up for this card for the ability to transfer points to airline partners. They told me I can only use the points towards a purchase. The ticket Im looking at is XXXX points on XXXX XXXX. To buy the ticket outright and then request to apply points was the customer service suggestion. This would cost {$2000.00}. XXXX points ( which I have in my account ), would still leave me with an {$1100.00} balance, and put an additional XXXX points. This is false advertising and I would have never signed up for this card if I knew the back end system would not let me transfer points to airline partners.
Product: Credit reporting or other personal consumer reports

violation of your obligations under the Fair Credit Reporting Act ( FCRA ), as recently highlighted in the Consumer Financial Protection Bureau 's ( CFPB ) lawsuit against Experian XXXX XXXX XXXX XXXXXXXX ). 
Specifically : XXXX. Failure to Conduct Reasonable Reinvestigations : Experian 's responses to my disputes fail to reflect accurate investigations. For instance, despite submitting detailed supporting documentation, the inaccuracies persist without explanation or meaningful resolution.

2. Failure to Forward Relevant Information provided, which mirrors issues cited by the CFPB regarding Experian 's neglect in transmitting accurate dispute details to furnishers.

3. Unclear or Misleading Dispute Outcomes : The results of your reinvestigations are ambiguous and do not provide sufficient details about the updates or lack thereof, leaving me unable to determine the resolution. 

The items in question are : [ List the inaccurate items with details like account numbers, dates, or disputed inaccuracies. ] Late Payments XXXX XXXX Late Payments XXXX XXXX Hard Inquires : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Closed on XX/XX/year>XXXX XXXX XXXX XXXX XXXX Closed on XX/XX/year> XXXX XXXX XXXX Closed on XX/XX/year> XXXX XXXX XXXX  Closed on XX/XX/year> XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX $ {$6300.00} Evictions : XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX I have attached coples of relevant documents supporting my dispute ( XXXX, payment records, correspondence, or agreements ). 
Should you fail to comply with your obligations under the FCRA within the mandated 30 days, I am prepared to escalate this matter, including filing complaints with the CFPB and considering legal action as authorized under the FCRA. 
Thank you for your prompt attention to this matter. Please confirm receipt of this dispute letter and provide an updated credit report reflecting the corrections or deletions. 
Sincerely, [ XXXX XXXX )
Product: Bank account or service

My wallet was stolen or lost a couple of years ago and someone deposit fake checks into my account which resulted in a overdraft fee and closing off my account. I tried to explain to the bank that I was not at fault and I was the victim but they would n't listen. The XXXX reported me to chexsystems. I paid all the fees although I was n't responsible and still no help. I told them you have cameras in your banks if you look maybe you can catch the real the if now I ca n't have an account for seven years please help.
Product: Credit reporting or other personal consumer reports

I want to complaint about experience, I disputed accounts on XX/XX/24, sent another one XX/XX/24 for them to verify an account with XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXXXXXX, The old name on this account was XXXX XXXXXXXX XXXX  and suddenly it is changed with the same account information on it i do not understand. I requested they send a debt validation which I never received and I also asked for the method they used to verify the account and received no response to that request. I want to know who they spoke with to verify these accounts because it is inaccurately reporting on my credit. Even after 2 investigations the account is still inaccurate. I want this account removed from my report because Experian is in violation please see attachments.
Product: Mortgage

During the pandemic, I was behind on my mortgage. I received a letter of default and was threatened with foreclosure by NewRez ( my mortgage processor ). 

In XX/XX/XXXX, I applied for the Housing Assistance PrograXXXX through the website : XXXX XXXX XXXX. 

The applications were supposed to be expedited. They were not. 

It took 6 months from the day I applied to the time the mortgage company was contacted about the amount of assistance I needed. 

By then, to avoid being homeless, my only option was to put the outstanding balance on the end of my loan. This lump sum of over {$5000.00} must be paid at once when my final payment is due XX/XX/XXXX. 

Although the company is aware that this was a pandemic related hardship, they told the Housing Assistance Program representative that my loan was current and refused to tell them about the COVID-19 related balloon payment that will befall me which qualified for assistance. 

The state was not compliant with the federal mandate of expediting applications. This allowed technicalities that hide the fact that we are still injured because of deprivation of federal benefits.
Product: Money transfer, virtual currency, or money service

XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WY XXXX XXXX XXXX & XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Subject : Complaint Regarding Account Closure and Withheld Funds Wise ( TransferWise ) Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding the closure of my Wise ( formerly TransferWise ) account and the withholding of my funds. 

On XXXX, Wise unilaterally closed my account without prior notice. I was previously the owner of XXXX XXXX, a company registered in Wyoming, USA. However, I am no longer actively managing or owning this business. Despite this, Wise has refused to release my funds to my designated bank account. I have XXXX accounts on wise one is XXXX XXXX which is my business and my personal account XXXX XXXX, The personal one is active however they did not transact anything, and just shut down business and all funds were inside, with approximate amount of XXXX USD, I can not even see since I have no access from today morning. I contacted with live chat and mail, however no result at this moment. 

Following the account closure, I promptly provided Wise with all requested documents, including : A copy of my government-issued ID My bank account details for fund transfer A detailed explanation of my situation However, Wise has not processed the transfer of my funds, nor have they provided me with a clear resolution. Additionally, I can not provide certain transaction receipts from my account, as I no longer have access to my Wise account due to the closure. 

I believe that Wises actions are unfair and may violate consumer protection laws. They are withholding my personal funds without justification, preventing me from accessing my own money. I kindly request the CFPB to review my case and assist in resolving this matter as soon as possible. 

I appreciate your time and assistance in this matter. Please let me know if any additional information is required. 

Sincerely, XXXX XXXX
Product: Debt collection

Since  XXXX   2016  I have been going back and forth to have these accounts contained in my credit file removed. This company has had over  XXXX  accounts listed as me being the debtor. I contacted this company was told that checks written and was returned. I requested documentation and documentation was provided to me however. The identificaiton number listed on the checks is not mines. I have provided this company with a copy of my drivers license to verify the license number listed was not mines. They have removed a great deal of the accounts however there are still  XXXX  accounts reporting.I do not have the time, and money to continue to send letters. I have provided all the documenatation I possibly can provide. If you look at the  XXXX  different checks I attached those numbers are not the same. I am not sure how they linked me to this account but I want this matter resolved once and for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be XXXX  % accurate as there are open dates they have listed on my credit report varies between the XXXX bureaus. How can XXXX account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.