23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to address the lack of response to my previous notice, dated XX/XX/year>, regarding the request for a copy of the 1099-C filed for the charged-off debt. XXXX  XXXX XXXX failure to provide a response leaves me no choice but to assume that you have neglected to comply with FEDERAL law by not filing a 1099-C as mandated. Consequently, I am compelled to inform you that I will report XXXX  XXXX XXXX to the IRS for potential tax fraud using Form 3949-A if prompt action is not taken. 

Furthermore, it is imperative that you notify XXXX, TransUnion, and XXXX to delete this information from my credit report immediately. The account in question is detailed as follows : XXXX XXXX XXXX XXXX As per IRS regulations , a canceled debt of {$600.00} or more necessitates the filing of a 1099-C form by federal or government agencies, or applicable financial entities. Failure to comply with this requirement constitutes tax fraud, a serious offense that I will not hesitate to report to the IRS. 

It is essential to understand that a canceled debt is considered ordinary income by the IRS. Consequently, any failure to file a 1099-C form, or any attempt to conceal such actions, constitutes inaccurate reporting. Income is not to be included on a credit report, and any such inclusion violates consumer laws and regulations. 

Your company 's actions are in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. Under this statute, it is prohibited to furnish inaccurate information knowingly or with reasonable cause to believe it is inaccurate. 

It is evident from my previous communication and this notice that there is reasonable cause to believe the information provided is inaccurate. Therefore, it is imperative that you take immediate steps to rectify this situation by deleting the inaccurate information from all consumer reporting agencies. 

Failure to comply will result in legal action being pursued, including holding the Creditor XXXX  XXXX XXXX, accountable for willful noncompliance under 15 USC 1681n ( a ) ( 1 ) ( A ). This statute stipulates that any person who willfully fails to comply with FCRA requirements may be liable for damages sustained by the consumer. 

I am currently in the process of securing housing, and the inaccurate information on my credit report is hindering my progress. I urge you to act swiftly and cease reporting this item to avoid further complications. 

I am currently in the process of securing housing, and the inaccurate information on my credit report is hindering my progress. I urge you to act swiftly and cease reporting this item to avoid further complications. Kindly delete this off my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had XXXXwo on-time pay accounts with TD Auto with no problems. On the third account opened in 2014 with XXXX on time payments, TD Auto decided to not pull my ACH payment and failed to notify me so my account was listed as delinquent. I reported this to the CFPB Complaint # XXXX and TD Auto sent a letter saying that their policy had changed and they were correcting the delinquency. Not only was the issue not corrected, but another late payment was added to XXXX. TD then stated that it would take 60 days for the credit agencies to fix the complaint, it's been over 90 days now and the problem has not been resolved. I respectfully request that TD correct this error immediately. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried so many time to contact XXXX regarding this billing XXXX/XXXX. I always took a one hour lunch and spent it days on end on hold with XXXX. I could never get anyone to come on line. The only response is automations encouraging you to wait. My simple question was how did my billing get to be so expensive, and I was suspecting there was some form of fraud. After I had finished my term for the job I decided to wait all day to talk to someone no matter what or how long it took. I was told there were movie rentals which I did not give approval for, but still no one could have a bill that large from movies. I ask the representative to send me the billings for the past months so that I could see detailed information. So finally I did get a billing with only dates and dollar amount with no explanations as to what the charges were for. I was discouraged and sad that I had to give up XXXX. Within the next few months I began checking my credit reports only to find that XXXX had written off the billing as a Charge Off. I was relieved and truthfully at my age I would probably be dead before the bill was paid. So it was written off and I believed that to be true because it was on the credit reports. I do understand collections and know that some old billings do get sold for maybe XXXX cents and a new collector like this one is trying to collect. If it is written off then I am not obligated. However if I should every win the lottery then I will pay anything I owe off in a heartbeat. I am not happy about this interruption and will be going through my old credit reports to look for the Charge Off. I think someone needs to do their homework.
Product: Credit reporting 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 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

I looked at my Experian credit report on XXXX XX/XX/year> and noticed some things are incomplete and not accurate. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates accordingly according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In General, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, or modify that item of information, an item of the information is found to be inaccurate, incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681 s-2, they are supposed to not furnace 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 not accurate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal they also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # : ( XXXX ), ( XXXX ), ( XXXX )
Product: Mortgage

THe State Employees Credit Union is committing dual tracking and proceeding with foreclosure related activities or proceedings eventhough I have submitted a purchase and sale agreement as well as sell information sheet for the Attorney. The sale of the home is scheduled to close on XXXX XXXX, 2015. I was informed today by XXXX XXXX that they plan to move forward with my foreclosure related activities and engage their attorney to restart the process. This will be determintal to my loan as I will incur additional fees. I request that the postpone foreclosure related activities until the sale is completed. My tenant moved out of the home and I have been unemployed for over XXXX years. Therefore, I need to sale the home to prevent foreclosure. So far they have been unwilling to do anything to help me and want my loan account to continue to rack up unnecessary fees.
Product: Debt collection

I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. All 3 credit did not respond to my right as a consumer and I feel that they Violation my right.
Product: Mortgage

I have requested the escrow to be removed and it was approved after a couple of tries during the XXXX. I was told the check was mailed on XX/XX/XXXX, but I have not received it as of date. I have contacted them on a weekly basis since then and asked them to research and get the check to me ASAP as my school taxes are due and need this money ( ~ {$2600.00} ) to pay it. 
SPS keeps dilly dallying and are not able to provide the proof of disbursed check nor are willing to electronically transfer the funds, or apply to the outstanding balance. It is close to 60 days now and they keep saying XXXX more business days every time I call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently had my credit profile pulled. Upon looking at this report I have noticed there are accounts that are not mine AND accounts that were never late. PLEASE SEE ATTACHED POLICE REPORT. 

I sent your bureau a dispute letter in regards to these accounts on XXXX and XXXX asking that they be removed. Please note response should have been provided by date XX/XX/2018. I have not received report and XXXX is over the time frame required to submit report to me. Please refer to the attached XXXX  XXXX dispute letter sent to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXXACCOUNT NEED TO BE UPDATED PAYMENT HISTORY.
Product: Credit card or prepaid card

I have a XXXX Card with XXXX Rewards. Due to Covid-19 and my loss of work from XX/XX/XXXX. I have missed some payments and recently been unable to pay the above card. Before Covid my credit score and my payment history was good. I have been very proactive calling XXXX many times to inform them of my situation. The only help I was offered was a 2-month deferment. The high interest, late fees & other fees increased my balance owing each month. Even if I could pay {$50.00} for example, the next months bill would have interest & fees that were more that what I had paid so my debt continued to climb. I was told by this company that the only way to stop interest charges & fees was to close the account so I did but the interest charges & fees continue. I was receiving many phone calls daily from this company but with no real help offered. I wrote a letter to Barclays on XX/XX/XXXX and they wrote back offering no help.
Product: Student loan

Company : Launch Servicing LLC Account XXXX XXXXXXXX On XX/XX/XXXX, for the account referenced above, I requested a Master Promissory Note, Debt Validation Notice, Proof of my signature and Proof of Co-signers signature via XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX, the company responded in its via XXXX XXXX XXXX with the message below : Hello, We are reaching out for the information you are requesting. This will be sent via this portal as soon as it is received. Thank you, XXXX XXXX XXXX Monday-Friday XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The information requested has not been provided to me as of XX/XX/XXXX. I do not believe that I owe this, and I dispute it. As a result, on XX/XX/XXXX, I mailed a physical letter with tracking to Launch servicing LLC at their mailing address of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. In that letter, in accordance the XXXX Fair Debt Collection Practices Act, XXXX XXXX. XXXX and XXXX XXXX XXXX. Protecting Consumers from Unjust Debt Collection Practices Amendment Act of XXXX, I requested that Launch Servicing provide me, in writing, the following information : XXXX. The name of the original creditor, and the name of any other owners of your debt, including the current owner XXXX. The last account number with the original creditor ( if applicable ) XXXX. A copy of the signed contract, application, or other documents which show your obligations XXXX. The date your debt was incurred XXXX. The date of your last payment, if applicable XXXX. An itemized accounting of the alleged debt, including the amount of any principal interest, fees, or charges, and whether the charges were imposed by the original creditor, a debt collector, or other owner of the debt. 

Also, in that letter I requested that Launch Servicing please provide this letter to the company for whom you are collecting so that they have notice of my dispute. 

The XXXX arrived at Launch Servicing 's mailing address on XX/XX/XXXX. I still have not received a response or the requested information from Launch Servicing as of XX/XX/XXXX. 

Per XXXX XXXX XXXX. Protecting Consumers from Unjust Debt Collection Practices Amendment Act of XXXX, upon receipt of the first request by a consumer for any of the information identified in paragraph ( XXXX ) of this subsection, the debt collector shall send all of the information listed in paragraph ( XXXX ) of this subsection to the consumer in writing within XXXX days of the receipt of the request and shall cease all collection of the consumer debt until such information is provided. Launch Servicing is well beyond XXXX days of receipt of initial request as well as requests made after.
Product: Debt collection

When I got a new home phone number the call started.they are looking for the former owner of the phone number.I explained this to them a number of times, but it has not stopped.in fact they have increased.
Product: Student loan

I have uploaded, mailed, and faxed an updated PSLF form on multiple occasions. Federal student Aid continues to tell me that they have not received my form.
Product: Debt collection

Repeated phone calls even after a payment arrangement has been made ; calling XXXX minutes apart during work hours ( XXXX/XXXX/15 ) ; when calls are answered they will automatically go to hold and then disconnect after XXXX minutes ; callers have been rude and made insensitive remarks ; when a payment arrangement has been made company called XXXX times in a row first thing in the morning payment was expected even though there was still over XXXX hours to make payment as agreed ; when a supervisor is asked for due to poor or rude communciation it is often stated that no supervisor is available and that they will have to call back and no call is ever received from supervisor ; calling even after payment has been submitted online and then either are n't aware payment is already made or just hanging up after call is answered ; caller often unable to answer detailed questions
Product: Student loan

I enrolled in XXXX XXXX XXXX XXXX in XXXX with the deceiving tactics of indirectly hinting to guaranteed job placement in the XXXX  industry upon the completion of XXXX XXXX XXXX with XXXX XXXX XXXX XXXX XXXX XXXX. To cover the expensive cost of XXXX, I had to take a combination of private and federal loans. Some of the private loans structure were confusing and got sold out to different lenders before even finishing the school. In XXXX, after completing the program and XXXX, they denied committing to any responsibility of job placement. At the same time, I start receiving multiple bills from different lenders. The Wells Fargo bill had different loan interest rates than the previous lender issuer at 8.99 %. The number of payment became overwhelming and I refinanced all private loan with XXXX for a fixed interest rate of 5.5 %. I have been paying this for the last XXXX  years and still owe large portion of the principal. The XXXX XXXX was not recognized in all my attempts to obtain employment. The XXXX  misconduct caused me a life long sense of failure. It has been discovered the XXXX  had operated with bad faith and many complains had shown it.
Product: Student loan

I refinanced a group of 5 loans from XXXX XXXX to Lendkey. I provided a 30 day payoff amount. Within that time, I had a payment due, plus the loan went through quickly so the group of 5 loans were overpaid by {$160.00}. XXXX XXXX say that they sent a payment back to the payer on XX/XX/XXXX. That {$160.00} should be applied to my loan, since that is part of what is financed and what I am paying interest on. However, Lendkey did not apply that {$160.00} refund to my loan. From my perspective it simply disappeared. I refinanced a group of 5 loans. They were overpaid by {$160.00}. A refund was sent back to Lendkey and should be applied back to my new loan. No {$160.00} has been seen since it left XXXX XXXX. 
The attached documents show the old statement from XXXX, the new statement from XXXX after the refinance, and the new statement from Lendkey. Either XXXX did not send the refund or Lendkey is pocketing the refund money and hoping I won't notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

# 1 ) I checked my credit report and noticed I was charged for late payments from XXXX XXXX XXXX XXXX. I had lost my job and was behind payments, but made payments every month on time. I was charged an additional {$50.00} every month due to missing one or two payments. 

# 2 ) I have no idea what {$50.00} from XXXX XXXX XXXX is. I never took a loan out from here. 
# 3 ) I received {$9.00} back from XXXX XXXX XXXX for a class action lawsuit for data overcharges. I stopped my contract due to these data charges and extreme billing. I do not owe XXXX XXXX XXXX anything. Now, XXXX has me on an account for charges and would like them removed.
Product: Checking or savings account

My account was closed with no explanation and now I can't get into it or open a new account and I would much like to use chime over XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX XXXX day I woke up and saw my credit score go down by more than 200+ points. I got worried and pulled my credit report and saw a delinquent account on my report for chase bank credit card. I called chase and was told that I missed a payment of just {$80.00} therefore they put delinquency on my account. Chase bank never sent an official letter in mail or called me to inform me about the missed payment before marking it delinquent. 

I called chase they confirmed that they never sent an official letter or called me. Chase bank said they sent me emails which I never received. 

Nonetheless, delinquency on an account and being penalized for 7 years for just {$80.00} ( even though I earn a lot and have a good stable job ) is completely un fair to me. I can not buy a house in future, i can not apply for a govt job, my life is ruined. 

Though the credit card is fully paid, chase bank is reluctant to take that off my credit report. This is unfair to me. My life is ruined for {$80.00} missed payment which I was never informed off. Every bank/credit card sends reminders emails or whatever. 

Please help. My life and career is ruined.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). In specifics, Cash App failed to take a timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience, financial loss, and my information is just out there and vulnerable to anyone. I seek appropriate redress for these violations.
Product: Student loan

Im being over charged and could be homeless cause I cant pay my bills that I always pay with my income taxes my property taxes on my house but I cant do that without my money which most of it was earned income for mychildren
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting Act : XXXX acct # XXXX, XXXX  XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX  XXXX acct # XXXX, XXXX XXXX XXXX XXXXcct # XXXX, has violated my rights. 

15 U.S.C 1681s-2 ( a ) ( 1 ) ( A ) states 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.

15 U.S.C 1681 section 604 A section 2 : states, A consumer reporting agency can not furnish a account without my written instructions.

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