23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt or credit management

I have filed a complaint about my credit report with the company and asked for all information with a wet ink signature and contract. The party has not provided any information with their so-called investigation to provide this information. I have stated that information to be removed from the credit report to that following : According to 5 U.S. Code 552 ( a ), also known as the Privacy Act of 1974, it is unlawful for any federal, state, or local government agency to deny any individual any right, benefit, or privilege provided by law because such individual refuses to disclose their SSN unless disclosure is required by federal statute [ 1 ]. This provision underscores the importance of protecting individuals ' privacy and limiting the use of SSNs to prevent identity theft and other misuse.

1. 16 CFR 313.7 : Privacy of consumer financial information.

2. 12 CFR 433.2 and 12 CFR 433.3 : Preservation of consumers ' claims and defenses.

3. 17 CFR 724 : Protection of investors.

4. 20 USC 1232 ( g ) and 34 CFR 99 : Privacy of student education records.

5. 5 USC 552 ( a ) : Freedom of Information Act.

6. Public Law 73-10 : Abrogation of the gold clause in contracts.
Product: Debt collection

AMERICOLLECT INC. at XXXX XXXX  XXXX XXXX, XXXX has been sending me collection notices in the amount of {$2000.00}. The collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature
Product: Mortgage

Fifth Third Bank in Ohio purchased my existing home mortgage from XXXX XXXX, XXXX XXXX, FL, in XX/XX/2021. The home and mortgage belong to my partner and I. XXXX had all information correct and online mortgage payments were easily made. 
Multiple attempts to setup the new Fifth Third mortgage account online, and with their customer service department were futile. I was told due to their error in transposing my Social Security number being associated with my partner 's cell phone number upon the mortgage assumption from XXXX ; it could not be accomplished online or by phone. 
It must be accomplished at a local Fifth Third Bank. There is only one location in XXXX XXXX, and due to danger of COVID exposure with my health status, it is not an option. My partner lives in Oklahoma, and there are no Fifth Third Bank locations.

It seems irresponsible to risk my health to visit their one branch office, to try to potentially, and with no assurance, resolve an error of their responsibility. I was also told I would need to setup an ATM card with Fifth Third, in order to be able to receive the benefits of online mortgage servicing. I am very much concerned for their customers with XXXX ; and requiring additional accounts for mortgage servicing. 
Thank you for any assistance. It is much appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Equifax, XXXXredit Reporting Company, asking them to verify ( with an original signed contract ). I sent this request via mail on XX/XX/2022. Equifax sent me a letter stating the debt was verified ; But failed to send me a contract as proof. I also reached out to the Collection Agency for verification ; And they never provided anything. Therefore I sent another Letter to Equifax enclosing copies documents sent to the collection agency asking for evidence. The XXXX letter was sent ceritifed mail with a return reciept. Equifax signed and recieved my letter XX/XX/2022. The FCRA requires you to verify the validity of an item within 30 days of request. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here. I informed Equifax that I contacted the Debt Colection agency for validation ; And the Debt Collection has not validated the debt either. It has been 60 days with no response from Equifax. This needs to be removed from my credit. I've also sent Letters to XXXX and XXXX without a initial response.
Product: Debt collection

Receivable mgmt services account XXXX is trying to collect a debt from me I sent them a letter XXXX for the original purchase agreement to show that they can legally collect this alleged debt proof that the debt was assigned or a receipt between them and progressive insurance.Receivable mgmt services is the creditor report inaccurate information on my credit report they should have signed documentation between me and them.so if they cant provide me with these documentation l ask them to delete this account immediately as am a victim of identity theft as this account is hurting my credit rating.l have no account with Receivable mgmt service or ever had one with progressive insurance.But if I did have a account with progressive insurance not saying I do I never gave them permission to sale the debt to receivable mgmt service.Receivable mgmt have 15 days to provide me the documentation I ask for if not I will file a lawsuit against them for damages and defamation of character l never got a notice or anything in the mail.
Product: Checking or savings account

I bank with Capital One and my paycheck is normally direct deposited into my checking account around XXXX AM on Thursday mornings. On Thursday, XX/XX/year>, around XXXX AM I noticed that I had not received my funds. At the top of the mobile banking app a message appeared that read : " We are currently experiencing technical issues. We are working to fix the problem as quickly as possible. '' I checked for a few hours after that, and I still had not received my direct deposit. I verified that my paystub reflected a direct deposit date and that my funds should have been on the way to me. 

I googled Capital One and a few news stories appeared stating that customers were having issues accessing their funds. At this point there still was no formal communication from Capital One generally explaining the issue at hand. Around XXXX PM, news stories started being updated explaining that an outage was causing issues with customers accessing funds -- still no formal messaging from Capital One detailing the problem. I did not receive formal communication from Capital One until XXXX PM, stating there is an outage. It is currently XXXX AM on Friday, XX/XX/year> and my direct deposit is still not in my account and scheduled payments have been declined because of this. 

The lack of communication directly to consumers during this time is unacceptable and has created a high level of distrust amongst Capital One 's longtime customers. The implications of there being no back up system for this situation or no expedient workaround for customers to access their funds is ultimately disheartening and frustrating.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MN XXXX Debt Validation Request To Whom It May Concern, I am writing in response to a notice regarding an alleged debt that your office is attempting to collect. I am formally requesting validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g Sec. 809 ( b ). Please consider this letter a written dispute of the debt and a request that your office provide verification and detailed documentation of the debt in question.

Specifically, I request that you provide : 1. **Verification of the debt amount**, including a breakdown of any fees, interest, or other charges that have been added.

2. **Proof that I am legally obligated to pay this debt**, including documentation of the original creditor 's name, address, and any signed agreements or contracts.

3. **A full account history** that shows how the debt amount was calculated from its inception to the present balance.

4. **Documentation of your authority to collect on this debt**, including a copy of any transfer or assignment of the debt from the original creditor.

Please also provide any information you have regarding the date of the last payment made on this debt. Until I receive the requested validation, I will consider this matter unresolved, and I kindly ask that all collection activities cease as required under the FDCPA.

I am requesting that you respond within 30 days of receipt of this letter. Thank you for your attention to this matter. Please direct all correspondence to the address listed above. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 5 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actwal knowledge of errors. A person shall not furnish any information relating to a consume to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors.

A person shall not furnish information relating to a consumer to any consumer reporting agency if ( 1 ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and the information is, in fact, inaccurate ( C ) No address requirement. A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address.
Product: Bank account or service

Huntington bank is doing it again. 
They are using deceptive tactics and gaming the system also Reordering and rearranging purchases to collect overcharge fees from customersWhen ever you file a dispute, your dispute is in the trash bin and wont be approved in your favor, actually they will get the money back from the merchant but they will not let you have your money back, dont know if these guys are at all doing their job or just ripping off peopleI GOTCH YOU type of thingthe customer service stuff is horrible and their managers sitting all day long doing nothing than telling their stuff to say sorry or no to customers.
Product: Credit reporting or other personal consumer reports

This is my notice to Amerihome that unless they comply fully with the FCRA, I will be seeking legal action for their failure to comply with the FCRA and respond to my request appropriately.
Product: Credit reporting or other personal consumer reports

Upon recent review, I noticed that my closed XXXX account is not being reported consistently across all three credit bureaus. Some bureaus have listed late payments added in XXXX, despite the account being closed in XXXX. According to the XXXX XXXX guidelines, which require standardized and accurate reporting for consumer accounts, the addition of new late payments on a closed account is both erroneous and misleading.
Product: Credit reporting or other personal consumer reports

. 
I feel I was negatively impacted, hurting my chances at credit after receiving a response to my earlier dispute that the accounts were " verified ''. 

On Date XXXX XXXX for {$990.00} I never opened this account when I contacted the company they didnt have all my information and they originally set it up as a payment plan the credit bureau delete the payment plan because it was fraudulent but they never delete the account I also have XXXX bankruptcy with the same account number on my credit report a XXXX  XXXX Bankruptcy was placed on my credit report and I contacted the court and they said they never release any information to the credit bureau and they have XXXX different dates for XXXX bankruptcy with the same account number XX/XX/XXXX and XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is fraud company because I am not taking loan on this company and XXXX amount in my account to be paid to saying this this is my education loan also not giving money of bank manager
Product: Credit reporting

TRANSUNION SHOWS COLLECTION ACCOUNT THAT BELONGS TO XXXX XXXX. I CALL THE BANK TO GET PROOF THAT ACCOUNT BELONGS TO ME AND THEY BOUNCE ME OFF TO SOME ONE MAN OPERATION WHERE YOU CAN ONLY LEAVE A MESSAGE. FINALLY MESSAGE GOT RETURNED, THEY SAID THEY SOLD IT TO ANOTHER COMPANY. I CALLED THAT COMPANY, AND THEY ARE BROKERS WHO SAID THAT WILL HAVE SOMEONE CALL ME BACK WHEN THEY WILL FIGURE OUT WHO THE NEW ACCOUNT OWNER WILL BE. IT ALL LOOKS LIKE A SCAM!! I ASKED XXXX TO GIVE ME PROOF OF ACCOUNT OWNERSHIP ( I SPOKE WITH XXXX ON XX/XX/2016 AROUND XXXX EST, CALLED AT XXXX XXXX XXXX, AND ASKED RECOVERY DEPT ) AND THEY REFUSED TO ASSIST. I SAID WILL COMPLAIN TO CFPB AND THEY DID NOT SEEM TO CARE AT ALL.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my creditreport, but there are still some items that need to be fixed. The 3 Credit Bureaus must verifythese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that thesedisputed items will be fixed as soon as possible XXXX  XXXX XXXX  XXXX Balance Owed : {$3000.00} XXXX  XXXX Balance Owed : {$0.00}
Product: Debt collection

This was not sent in error. I am a consumer by law and my information was misused and now I have false not 100 % accurate accounts on my credit report. There has been unauthorized used of my information and credit report. 

ELAN CACS CC XXXX. {$0.00} Acct # : XXXX
Product: Debt collection

XX/XX/XXXX, I noticed a drastic change in my credit rating, and upon logging in, I found XXXX new accounts in collections from Wakefield & Associates with an open date of XX/XX/XXXX. The original debtor is listed as XXXX XXXX of North Carolina. At XXXXXXXX XXXX ET that day, I called the number listed regarding these accounts and was greeted by XXXX on the other line. She was able to provide account numbers but nothing else. I asked her to explain their process for requesting validation. She informed me I could email the request. 

On XX/XX/XXXX, I sent the email requesting validation with both a received and read receipt requested. The email was received but to date, I have not received any communication from Wakefield. The only action on these accounts is being updated on my credit report as of XX/XX/XXXX, to show it is still in collections. 

I also attempted to contact XXXX XXXX but was unsuccessful. This has dropped my credit score by over XXXX points with no explanation or ability to resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report it has been more then 30 days and i haven`t received any investigation results.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX XXXX and the credit reporting agencies XXXX, Equifax, and XXXX. XXXX XXXX has failed to provide the IRS Form 1099-C as requested for both of my accounts, and the credit reporting agencies have allowed the continued improper reporting of these charged-off debts on my credit report. Despite knowing the correct classification and financial implications of a charge-off as defined by the IRS, they have not taken the necessary steps to correct this reporting. 

A charge-off is recognized as a taxable event, which should be reported as income according to IRS guidelines XXXX However, there is no category on my credit report for income earned or taxes filed, nor has there ever been. If the IRS considers charge-offs as taxable income, it is unclear why these charge-offs continue to be reported on my credit report, especially when such reporting misrepresents their true nature and violates the Fair Credit Reporting Act ( FCRA ). 

Background : I sent a letter requesting a copy of Forms 1099-C for debts associated with my accounts XXXX & XXXX which has been reported as " charged off. '' According to IRS Publication 453, a charge-off is recognized as a taxable event that should result in the issuance of a Form 1099-C to reflect the cancellation of debt income. 

Additionally, I have noticed that this account continues to be reported on my credit report as a " charge-off '' on a monthly basis, as if it were a new account with current charges. This ongoing reporting is not only misleading but also inaccurately reflects the account as generating new charges each month. 

Issues : Failure to Provide Form 1099-C : The creditor has not provided the required Form 1099-C, which is necessary for me to accurately report any canceled debt income to the IRS. 

Improper Monthly Reporting of Charge-Off : The account is being reported as a " charge-off '' every month, which implies continuous new charges, despite the fact that a charge-off is a one-time taxable event that is now being reported as income in which I have filed and have attached proof. This reporting inaccurately portrays the account status and violates the Fair Credit Reporting Act ( FCRA ).

Income Reporting Implications : Since a charge-off is considered a taxable event reflecting income, this account should no longer be reported on my credit report nor as an ongoing charge-offs. Continuing to report these accounts as an active charge-offs suggests that these debts are still accruing, which is incorrect and constitutes a violation of the FCRA, as it misrepresents the now true nature of the debts.
Product: Credit card or prepaid card

I made a purchase on XX/XX/21 at XXXX XXXX. It was on a 6 months no interest. Commenity bank will not reverse the interest charges. This is fraud!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX XXXX SHOULD NOT BE REPORTING ON MY CREDIT REPORT UNDER 15 U.S. CODE 1681e ( b ) and 15 U.S code 168 1 ( 5 ) this account in violation not reporting 100 accurate it list the child support court as the furnisher thats forgery and misleading when the courts don't report this type of account XXXX XXXXXXXX XXXX XXXX should not be listed on my credit report I've never did any business with that company i did not authorize this account
Product: Mortgage

wells fargo has purchased my mortgage and now i have been kicked out of online banking. i have spent over 4 hours on the phone trying to get this resolved. i was hung up on 3 times and was on hold and transferred multiple times. They cant get this simple issue resolved. This is a change from my last mortgage company and when my loan was bought by wells fargo it was stated that nothing would be changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Not only does capital one show me as having my credit card for 13 months and I had it for half the amount of time, it shows late payments when I was placed on auto pay. I made a bulk payment as I often did and it was held and not applied. I contact several agents. This issue was never resolved. My money was held and account was closed. I received several adjustments for the mishap however was told they were unable to remove the late charges and I would have to contact the credit Bureau in efforts to have this late payment removed..I request to be removed from autopay and was still being drafted monthly on the XXXX.
Product: Vehicle loan or lease

XX/XX/2024 Regional Acceptance automated system stated I had a payment due of {$1000.00} due XX/XX/2024. I paid {$1000.00} Mailed Express signed Delivery on XX/XX/XXXX. Regional Acceptance signed and picked up my payment on XX/XX/XXXX at XXXX XXXX on XX/XX/XXXX at the XXXX North Carolina post office at XXXX XXXX XXXX zip code XXXX. I have a typical monthly payment of $ 328 monthly. They are still stating and reporting I owe {$1000.00} and I dont. 
Not only has Regional Acceptance refused my calls by intentionally disconnecting them. Regional Acceptance has also blocked me from making any type of payment should I attempt to log into my account, they also have intentionally programmed their automated system to decline any type of payment I present by stating it did not go through or it was declined. ( This is intentional ) There is currently a campaign to gather signatures for a class action lawsuit for the same issues that Im currently having so Regional Acceptance is abusing customers across the country.

Currently, regional Acceptance is sending billing statements showing that I have past due amounts in the thousands and I do not. The payoff amount for this vehicle itself is under {$5000.00}. 
How my payments are being posted or applied has me concerned as I think they have not only secretly changed my interest rate but are not applying monies accordingly to the interest and principle. This company and its representatives consistently threaten or lie to consumers should they feel like answering phone calls.
Product: Credit card or prepaid card

CFPB, I am attaching a letter of explanation that I sent to BBVA Compass Bank  concerning my credit card. You will be able to see that all payments to them have been made on time, they are not giving me credit for my payments for as long as 9 days and then charging me late fees. One of the late fees caused me to go over my {$2000.00} limit by {$4.00}. I pay my bills through XXXX XXXX XXXX, all of my creditors are paid with in 24 hours or the next business day. In the case of a mailed check to Compass from XXXX XXXX to 9 days to give me credit for my payment is predatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled a collection account and paid the balance. Then I asked the 3 major credit reporting agencies to updaye the account showing that the balance was paid. However, Experian is insisting the balance is still {$610.00}. I disputed with them and sent them documentation showing the settlement snd payment, but they did not correct the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Business : TD Bank Law Violations : 1. FBRA violation, TD Bank reported a debt from XXXX XXXX  to the major credit bureaus for a product that was never shipped, and never received by the customer. 
2. Billing customer for the order, and Unwilling to file a claim for the client to remove the charge when requested ovdr the phone. 
3. Use of dismisive language, unwillingness to help client even after client offered XXXX  solutions XXXX as picking up the item from a retailer. 
4. Use of dismisive belitteling language with the customer.Unwillingness to correct the issue.
Product: Credit card

My account with XXXX and i was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never Sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer report.