23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear Sir/Madam, I am writing to file a formal complaint regarding unlawful debt collection practices and a failure to provide the required 1099-C form for a debt that was charged off by XXXX XXXX, which I believe violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Internal Revenue Code Section 6050P.

1. Failure to Provide 1099-C Form for Canceled Debt According to the Internal Revenue Code Section 6050P, when a creditor cancels a debt of {$600.00} or more, the creditor is required to file a Form 1099-C with the IRS and send a copy to the debtor. XXXX XXXX charged off the debt in question but has failed to provide me with the necessary 1099-C form, which is required for tax reporting purposes. 

I have contacted XXXX XXXX on multiple occasions, but they have not provided the 1099-C form or any explanation for this failure. This is in violation of IRS regulations and is causing me confusion regarding my tax obligations. 

2. Unlawful Debt Collection Practices XXXX XXXX is continuing to claim that I owe a debt that was charged off, despite the fact that a charge-off generally means the debt is considered canceled. According to the Fair Debt Collection Practices Act ( FDCPA ), creditors and debt collectors are prohibited from misleading or harassing consumers into believing they owe a debt that has been legally discharged or written off. 

I have repeatedly informed XXXX XXXX that the debt was charged off, and I have not received any documentation that proves the debt is still valid or owed. Their continued attempts to collect the debt are causing me distress, and I believe they are violating the FDCPA, particularly the provisions regarding misrepresentation of the debts status. 

XXXX. Fraudulent Debt Collection Claims Despite my objections and the fact that this debt was charged off, XXXX XXXX is making continued claims that I owe the debt, which I believe constitutes fraudulent misrepresentation. Under the law, it is illegal for a creditor to misrepresent the status of a debt. 

Requested Resolution : I request the following actions from the Consumer Financial Protection Bureau : Investigate XXXX XXXX failure to provide the required XXXX form for the canceled debt. 
Investigate MARINR FINCs unlawful debt collection practices, including their continued attempts to collect a debt that has been charged off and canceled. 
Assist me in resolving this issue, ensuring that my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Internal Revenue Code Section 6050P are upheld.

Provide guidance on how to ensure this issue is resolved and prevent further collection attempts. 
Attachments : Credit Report from XXXX XXXX I trust that the Consumer Financial Protection Bureau will assist me in resolving this matter promptly. Thank you for your attention to this complaint, and I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has turned over my name and information to a credit collection company that sent a bill to my address that is incorrect and I dispute. I requested detailed information on the account and XXXX sent me a bill Account Number XXXX XXXX XXXX XXXX for services extending from XX/XX/XXXX through XX/XX/XXXX at the address XXXX XXXX XXXX XXXX, OHIO XXXX. I moved from that address in XXXX of XXXX, cancelled service with XXXX and returned the equipment. This company has been turned into the Ohio Attorney General previously for sending a bill reflecting the equipment had not been turned in, yet I still had the receipt and provided it to the Ohio Attorney General. Now, I received a bill shortly after the mailing date on the notice of XX/XX/XXXX from MRS BPO, LLC- A DEBT COLLECTOR stating they have a collection account : XXXX in my name. I have no debts or collections of any kind and requested a copy of the original creditor claiming to be owed. On XX/XX/XXXX I received a packet with a bill from XXXX from the dates indicated above. I had no service at the address that I authorized and I moved in XX/XX/XXXX. Please request this collection agency and/or XXXX to provide the original contract signed as any additional contract it may have that authorized service at XXXX XXXX XXXX XXXX Ohio XXXX after I moved into the same place I currently live. I just renewed my lease now 1 year later. I moved into my current place in XXXX of XXXX, cancelled XXXX service and returned equipment. XXXX is committing fraud and I want each and every inquiry or negative report on my credit removed. I intend to place a inquiry on my reports and sue XXXX and the collection agency for each and every fraudulent entry.
Product: Payday loan

I was contacted by phone # XXXX with XXXX XXXX to pay off a loan through ACE CASH EXPRESS back in XXXX first they had an office with the XXXX COUNTY call me telling ot me to XXXX XXXX or a warrant will be in my name come XXXX. this was originally done 2 months ago. i thought this was legit bc i called the XXXX county office and also looked up their phone # online and it was verified that it was with the XXXX county office so i paid a total amount of XXXX i have the receipt and letter showing it is now paid off in full. they still answer their phone and the ace cash express dept that i had on my credit report is now gone and closed. i just received call yesterday from a XXXX XXXX XXXX with the dept of justice with XXXX from phone # XXXX account # XXXX stating that i owe XXXX for a payday loan with ace cash express and that they will go forward with fraud charges if i dont pay that amount. i am really scared and worried that this might be real bc i dont want to get arrested for something i already paid and is now off my credit report but i have the supporting documents to show that i paid and i also called ace cash express and spoke to the collections dept and they stated i have a XXXX balance. i also spoke to my lawyer and my lawyer ( XXXX XXXX ) advised me to ignore the call bc the dept of justice does not harrass people to make payments on a loan. i am terrified that i might get arrested and have not been in trouble with the law and i have XXXX daughters that i am supporting and i can not miss any work and i am a single mother who does not receive any kind of goverment assistance or child support. i wouldnt want my girls to see me get arrested if this is real. i couldnt evven sleep last night bc of this call. she was mean and rude and couldnt answer and wouldnt answer my questions about the debt. please help me. thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Capital/ XXXX XXXX is reporting a late on XX/XX/20. My wife was in an accident and had to had XXXX in another state. The help she received was not much and we really struggled to make ends meet these last few months. I have been trying to make my payments on time but unfortunately defaulted. My wife 's accident really put us in a hard spot as we both were out of town for weeks waiting for her to recover. With COVID affecting me financially as is and my wife 's XXXX has made it really impossible to keep our head 's above water. I am asking as a long time customer that you remove the recent late notations. I truly did not mean to be late or wanted to but it was complete out of my hands.
Product: Vehicle loan or lease

I have an auto loan with Wells Fargo. If I am late in making the payment there is a late fee added which I understand. When I make my payment I always pay more than enough to cover all of the principal, interest and any fees that might have occurred but for some reason the late fees will not go away so you have to call them and in some cases make many calls to fix the issue. My wife had this happen also and it took a dozen messages and phone call to fix the issue. Wells Fargo Bank is charging millions of customers this same fee with this same issue and this was verified by a Wells Fargo employee. There is no way to pay the additional fees online and in my case and my wife 's we thought they were paid by the overage we were paying when we made the payment. It shows the late fee on the payment screen and a customer will think it's being paid but it is not. Please help fix this problem for many, many Wells Fargo customers
Product: Mortgage

In XX/XX/XXXX I filed XXXX XXXX Bankruptcy and the plan has been court approved. 
For creditor, South State Bank, the Court approved terms are listed as follows : " Unsecured claim '' amount of {$53000.00}, claim to be paid over a 60 month period with 0 % interest, which results in payments of {$890.00} per month. 
My case has been administratively closed and I started making payments to South State Bank according to the court approved plan in XXXX of XXXX. 
All of the payments I've made to date have been cashed but I haven't received any statements from the bank. I called South State Bank 's XXXX number to request statements be sent to me but haven't received any. 
Now the South State Bank 's 1098 mortgage interest statement has the incorrect principal amount of {$230000.00}. This error is causing delays in filing my tax returns with the IRS. 
In addition to this complaint, I will be sending a " Qualified Written Request '' reporting the mistakes and asking the bank to correct them.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XXXX, 2021 a validation of debt was requested. This request was never received nor response.according to the FDCPA all collection was TO cease until debt has been violated. USDA is in violation of 15 USC 1682o willful non compliance. USDA has accepted instruments and has failed to return or credit account.

1. 15 USC 1692 G MUST BE NOTIFIED IN 5 DAYS BEFORE ANYTHING IS ADDED I Was never notified by USDA 2. 15 USC 1666E CAN NOT TAKE ADVERSE ACTION SUBJECT TO PENALTY 3. 31 USC 5118 OBLIGATION CAN BE DISCHARGE WITHOUT LEGAL TENDER 4. 12 USC 1431 BANKS CANT LOAN MONEY THEY ARE THE BORROWER 5. 15 USC 16932 FALSE REPRESENTATION 6. 15 USC 1681 a ( d ) ( 2 ) ( B ) Exempt clause 7. 15 USC 1681b IDENTITY THEFT 8. 15 USC 1666b NO SUCH THING AS LATE PAYMENTS
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not liable for this debt with XXXX XXXX XXXX They have yet to provide me with the original application as requested. This is my third attempt to remove as this was not my account nor can the company provide proof. I demand that this " charge-off '' in the amount of {$300.00} be removed immediately. This has been ongoing since 2018.
Product: Credit card

On XX/XX/23 I made a payment from my XXXX XXXX  account to my BMO credit card. I received a confirmation from XXXX  that is reflected on my checking account statement with a payment ID of XXXX and a XXXX  of XXXX and BMO insists they didn't receive the payment. I could NOT resolve this with them after numerous attempts. 

BMO says there's no record of it and so I called XXXX who has confirmed it was paid and confirmed it was deducted from my account. BMO has sent this to collections given me a late payment fee and this has hurt my credit score. 

BMO just sent me a letter that said I have a past due amount of {$270.00} instead of a payment of {$300.00} and I was forced to pay {$570.00} or have more late fees. 

Since just before the merger/takeover of Bank of the West with BMO I have had almost continuous problems with getting late mailings/not getting credit for my payments. I can prove each payment has been made each month on time. They will not accept any proof that I have offered and they keep promising when I make a payment that this time it will surely go through correctly.
Product: Debt collection

A rep ( Assistant Director of Operations of the Process and Warrant Division ) from XXXX XXXX XXXX called and left me a voicemail stating that there are allegations of fraud under my name and social security number that they had tried numerous times to talk to me about my loan debt, and that since this has n't been resolved outside of court and if it was n't resolved within 24 hours, that they would send my case back to my county for further processing to be scheduled. He said that if I want to get this resolved out of court I had only until XXXX EST to call him back. At this point, this was the first I had heard from them. If they had called previously, they did n't leave a message.
Product: Debt collection

Upon receiving my recent Credit report, I have found information regarding debt that is being claimed against me. It was paid and please remove it on my credit report.
Product: Student loan

I took out private student loans with Navient while I was attending XXXX XXXX. These loans were obtained under a blanket of lies that were told to me about XXXX XXXX and Navient. I was promised assistance in finding a job after graduation. I was promised fair interest rates comparable to my federal loans and cosigner release. I made my payments on time for years and was never offered cosigner release. My interest rates are well above any of my federal loans. Furthermore, Navient calls at least 8-10 times per day after I've asked them to stop contacting me as I try to get my loans canceled and they continue to call me all the time. They have gotten me in trouble at work, sometimes calling 3 or 4 times in a row. These loans were obtained through fraudulent practices from XXXX and they should be canceled.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to FCRA my rights have been VIOLATED.

15 USC 1681 602a section 4 says I have a right to privacy.

15 USC 604a section 2 says to furnish consumer reports in accord with written instructions of the consumer XXXX XXXX XXXX # XXXX XXXX XXXXXXXX # XXXX XXXXl XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX
Product: Debt collection

I have received an updated letter from XXXX XXXX XXXX in regard to the Synchrony Bank/Paypal account , with an updated balance. Previously I have been disputing the amount of the interest that was reflected on the collection notices without explanation or any statements provided. This interest had been added after the account was charged off, the dispute lasted over 6 months and I have not involved CFPB. During the dispute, Synchrony Bank/Paypal and XXXX cashed half of the checks that I kept sending every month and the other half was not cashed. 
However, XXXX and Synchrony Bank/Paypal in the updated letter increased the balance owed. 
After almost a year of complaints and disputes, the interest of {$400.00} that was charged illegally has finally been removed from the balance owed. 
Now they are showing that the amount paid off to this date is slightly over {$500.00}, how is it possible if their own statement from XX/XX/22 a year back showed a balance paid to date of {$780.00}? Yes, back then it was also showing an interest of {$400.00} as a part of the amount owed and that was reflected in the higher amount owed. Now, after the interest was removed and I made payments along the time they reviewed the dispute, the balance owed decreased drastically. But, no!!! 
I have copies of the cashed checks by Paypal/Synchrony Bank for XX/XX/22, XX/XX/22,XX/XX/22,XX/XX/22,XX/XX/22 all in the amount of {$50.00} which totals {$250.00}, I also mailed 4 other checks but during the previous dispute they were never cashed and I had to stop payment on them. Using the following numbers of the previous statements provided, if the balance owed is {$2500.00} and interest of {$400.00} is taken away, it would make the amount owed {$2100.00} then minus the cashed checks listed above in the amount of {$250.00}, it should bring the amount presently owed to {$1800.00}. It seems they are trying to remove the disputed interest, which they can't explain, from the statement visually but quietly adding it to the amount owed on purpose to collect more. Isn't it a violation of the FDCPA? Please I have reached out multiple times offering to settle this debt, but neither XXXX nor Synchrony Bank/Paypal are cooperative, and there is always that is done to increase the amount owed, missing payments, an interest without proper explanation or statements provided showing how it was calculated, inaccuracies that when I am trying to bring them to their attention or asking to review takes months or responded in formal, ordinary letters saying that no error was found which is exhausting and simply disrespectful, unfair and harassing.
Product: Credit reporting or other personal consumer reports

Experian continue to add a fraudulent account on my credit report.
Product: Student loan

The borrower, XXXX XXXX, had agreed to XXXX loans on behalf of his daughter, XXXX, and it would appear that payments were not made timely so the matter was referred to a third party debt collector, Account Control Technology , Inc. ( " ACT '' ). ACT has claimed that it has acted on behalf of XXXX XXXX XXXX XXXX XXXX, the creditor. ACT has more than doubled the debt by adding to the loan principal, without explanation, and adding a collection fee which equals more than XXXX third of the amount which XXXX XXXX has appeared to borrow. We have asked for substantiation and clarification, and received no response. Out letter to ACT, with exhibits, is annexed. 

Meanwhile, ACT has served a notice of garnishment upon XXXX XXXX 's employer based upon the inflated amount being demanded and ACT has ignored our demands to refrain from collection activity until we can clarify the matter, as requested. 

We are seeking your assistance since it would appear that ACT has unlawfully increased, perhaps doubled, the amount of any sum which XXXX XXXX has borrowed, and they are trying to use Federal Regulations to their advantage, to try and collect an amount which is not lawfully due.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXXXXXX XXXX Owed : {$300.00} XXXX XXXX XXXX  XXXX XXXX  Owed : {$280.00} XXXX XXXX XXXX  XXXX XXXX Owed : {$540.00} XXXX  XXXX XXXX  Owed : {$310.00} XXXX XXXX XXXX XXXXXX/XX/2023
Product: Checking or savings account

A Citibank Fraud Agent, XXXX XXXX, called on XX/XX/year> to ask if I had made a {$1700.00} wire transfer to XXXX XXXX XXXX XXXX transfer to a XXXX XXXX in XXXX XXXX & a transfer of {$3000.00} from my savings to my checking account, to cover these Wire & XXXX Transfers. I advised I had not, that I live in XXXX XXXX XXXX & have never met or heard of XXXX XXXX. I was given a case #, told my account would be blocked & that I'd be hearing from another Fraud Agent shortly. I then spoke to a Wire Transfer Fraud Agent, & I had to explain everything that happened & gave her the name of the original agent who called me & the case #. She advised she was closing my account, because the original agent had not blocked it, which is highly concerning. I was advised to go to the bank & open up a completely new account. She repeatedly asked if I knew XXXX XXXX & at one point asked If I was the fraudster & then laughed. She then gave me another case # for the Wire Fraud. She then transferred me to a XXXX Fraud Agent, where I had to again repeat the whole story, even though she had put me on hold for 10 minutes to tell the XXXX agent my fraudulent charges. I was given yet another case/dispute number & told I would be hearing from another agent in about 10 days, after they investigated. I have never heard from another Citibank Agent ; I've called 3 times to ask about my case & I've been told they don't have any information, that it's still under investigation. It's impossible to get a Citibank Agent on the phone, I'm transferred from one person to another & no one can seem to help me. I then did some research & found an email contact to escalate my complaint. They did email back right away & asked for more information, which I had already provided. They then replied & asked for my email, which they obviously have because they emailed me back. On XXXX, they once again asked for the same information, which I have already provided. I am getting absolutely no where.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested an investigation and the removal of the charge-off status in this account CAPITAL ONE BANK USA N XXXX XXXX No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. This account falls under a charge off account yet there is a balance indicated on the report. Also, there is no payment history on the other bureaus that proves my late charges on this account.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to update my credit report with 5 zombie collection accounts that can not be verified or validated. I have asked them to validate this information multiple times and I have not received any form of validation of these accounts, but they continue to report them in my credit file. Three of the accounts that have the same alphanumeric characters ( XXXX ) listed as the Collection Agency 's name and the original creditor field is blank. XXXX of the accounts has the following alphanumeric characters ( XXXX ) listed as the collection agency 's name and the original creditor field is blank. The 5th zombie account has the following alphanumeric characters ( XXXX ) listed as the collection agency 's name. In addition to these entries not having the collection agency or original creditor 's names, there is also no address or telephone number for these XXXX negative entries in my credit file. I can not validate this information, nor can or has Equifax been able to provide validation.
Product: Debt collection

On or around XX/XX/23, I mailed a Notice to Cease and Desist to Navient requesting that they stop contacting me, my friends, and my family, and I directed them to communicate with XXXX XXXX XXXX XXXX. Starting XX/XX/23, I have received multiple voicemails from XXXX who represents Navient, requesting a return call. My mother, my sister, and my ex-husband have also received calls from Navient in direct opposition to my Notice to Cease and Desist. I will be mailing a second Notice to Cease and Desist to Navient tomorrow ( XX/XX/23 ).
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX