23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I am filing a complaint against Navy Federak Credit Union for multiple overdraft fees incurred over the past 24 months. Despite having the sufficient funds when the transactions were authorized, there were holds and lags in posting of charges and credits that led to my account being charged multiple overdraft fees. This issue aligns with CFPB findings against Navy Federal for similar practices. I am requesting an investigation into my account and transactions due to these unfair practices.
Product: Debt collection

FMA Alliance contacted me by mail regarding an alleged debt from XXXX XXXX XXXX XXXX. I responded in writing, and informed the company that I disputed the debt. Nonetheless, FMA Alliance and XXXX XXXX have repeatedly attempted to contact me about the debt without providing any further information.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the reported charge-off on my credit profile regarding XXXX XXXX XXXX It has come to my attention that the balance of this charge-off is being inaccurately reported, despite the fact that the balance was reduced due to the sale of the vehicle associated with the account. 

As per the Internal Revenue Service ( IRS ) regulations, a charge-off denotes canceled debt, which is recognized as ordinary income. It is worth noting that the company in question has correctly filed this charge-off on their taxes. However, it appears that this canceled debt is still erroneously reflected as an outstanding balance on my credit profile. 

Despite numerous attempts to rectify this issue, including requesting a 1099-C form from the company, I have received no response. Therefore, I am urging the immediate removal of this erroneous charge-off from my credit report in accordance with the guidelines outlined in the 15 U.S.C. 1681. 

Furthermore, the inclusion of this account is inaccurately reporting a balance for a closed account, which further impacts my credit standing negatively. Thus, I request the immediate removal of this account from my credit report to ensure the accuracy of my credit profile. 

I kindly request prompt action on this matter and appreciate your attention to resolving this dispute. Please provide confirmation once the necessary corrections have been made to my credit report. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no idea who XXXX XXXX XXXX is, i have been fighthing with them to remove this from my report and they refuse to. tbom is past the status and should not be on there either.This is been going on way to long and i would like this taking care of ASAP ...
Product: Vehicle loan or lease

I applied to refinance my car loan. Was approved and contacted by CapOne to complete the process. They contacted my lender with me on the phone for a 3-way call to verify payoff amount. At the conclusion of that call, my current lender and I were assured by CapOne the payoff check was in the mail and that I should look forward to a welcome packet in the mail. I signed not one but two contracts, and was told everything was good, nothing else I needed to do. After a few days I received an email to contact them. When I contacted CapOne they now tell me they don't do refinances on 'title loans ' despite the name of the lender being 'Discount Title Loans ' during the entire negotiation and 3-way call. At best this is incompetency, at worst it is out right lying and deceitful. I've had probably 5 car loans with CapOne over the last twenty or so years and still like the company, but this situation was completely mishandled and now not only can I not get the requested refinancing, but they want me to eat the credit inquiry when the deal fell through on their side not mine. I went and paid off the loan today, I only want the refinance to build a little credit, but since neither is the case at this point, I'd like the hard inquiry removed from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested Validation that this was my account. I sent a certified letter XX/XX/2019 and received no response. Thank you
Product: Checking or savings account

RE : XXXXXXXX XXXX Account XXXX I, XXXX XXXX XXXX, have a joint checking account with my son, XXXX XXXX XXXX, at XXXXXXXX XXXX. We do not use online banking. I opened my checking statement ( dated XX/XX/XXXX - XX/XX/XXXX ) when it arrived in the mail on XX/XX/XXXX. I noticed there were 11 Paypal withdrawals totaling {$5800.00}. Neither XXXX nor I authorized any of the transactions. In fact, I do not even have a Paypal account. I immediately called the XXXX Fraud Department to alert them to the problem. They placed a restriction on the account. I went to my local branch, ( XXXX XXXX XXXX, XXXX, NY ) the following day, XX/XX/XXXX and spoke with XXXX XXXX. She reviewed the account and noticed an additional {$3900.00} in Paypal withdrawals since the last statement. She also noticed there were three Paypal transactions starting in XX/XX/XXXX ( totalling {$240.00}XXXX XXXX  ) She transferred the remaining balance in the compromised account into another account. I filed a claim with XXXX for reimbursement. XXXX claims they are not responsible for the {$9100.00} since I did not report the incident when it first happened in XX/XX/XXXX. I thought my son had made those transactions ; the sum was small and I did not question it. However, I did immediately question the withdrawal of {$5800.00} when I received my statement on XX/XX/XXXX. I reported the incident to the XXXX XXXX Precinct. 

I also discussed this situation with Paypal. Someone named XXXX XXXX, whom we do not know, created a Paypal account and somehow linked it directly to our checking account. I do not have a Paypal account. We were drained of {$9100.00}. I have spoken with both XXXX and Paypal Fraud departments several times over the past three weeks. I was under the impression Paypal was going to return the money to XXXX. Today, Paypal said they are not responsible. XXXX said they are not responsible. We placed our money in XXXXXXXX XXXX thinking it was safe. Please help me understand how someone who is not an authorized user of my checking account, can open a Paypal account, link it to my checking account and steal {$9100.00}. XXXXXXXX XXXX never alerted me that XXXX XXXX was now a user of my bank account. The fraudulent name does not appear on any of my bank statements. Paypal did not alert me that an account was linked to my bank account. I request the money be refunded to my account.
Product: Credit reporting or other personal consumer reports

Subject : URGENT - Final Request for Issuance of 1099-C Form and Notice of Legal Action To Whom It May Concern, OneMain Financial Corporate Dept This letter serves as my fourth request for OneMain Financial to provide me with a 1099-C Cancellation of Debt form for account number XXXX. Despite multiple requests sent via certified mail, you have failed to comply, yet you have reported this account as charged off to the credit bureaus and subsequently sold the debt to a collection agency.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, creditors are required to furnish accurate and complete information to credit reporting agencies. The failure to provide a 1099-C while reporting the account as charged off constitutes a misrepresentation of my financial status and a violation of federal law.

Additionally, under IRS regulations ( 26 U.S.C. 6050P ), a creditor is required to issue a 1099-C when a debt of {$600.00} or more is canceled or forgiven. Your failure to comply with this requirement is not only a violation of tax law but also an act of fraud, as you continue to report this account in a manner inconsistent with legal obligations. 

By knowingly failing to provide the 1099-C while still reporting the charged-off debt, OneMain Financial is in direct violation of the FCRA and IRS regulations , which constitutes an unfair and deceptive practice under federal consumer protection laws.

As such, I am formally notifying you that if I do not receive the requested 1099-C within 15 days from the date of this letter, I will pursue legal action for statutory damages as permitted under the FCRA ( 15 U.S.C. 1681n ), which allows for recovery of actual damages, punitive damages, and attorneys fees. Additionally, I will report this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Internal Revenue Service ( IRS ).

To resolve this matter, you must : Immediately issue and mail my 1099-C form for the charged-off account.

Cease any further reporting of inaccurate information to the credit bureaus regarding this account.

Confirm compliance with this request in writing within 15 days.

Failure to comply will result in immediate legal action against OneMain Financial for its fraudulent reporting and willful violations of federal law. 

This is a final warning. Govern yourself accordingly. 

Sincerely, XXXX XXXX
Product: Credit card

TD bankUSA, N.A. issued a Nordstrom Credit Card under my name without my authorization/application
Product: Checking or savings account

I wanted to open a high yield savings account after we made proceeds from a XXXX  home sale so we could grow that amount to help purchase our dream home in XXXX  in a couple of years. I researched various banks and products and decided that the CIT Savings Connect best met our needs with 4.6 % APY and mobile banking/check deposits. I applied online during lunch today, XX/XX/2023, during XXXX weeks of military duty from my govt computer. I entered all the information and submitted all of my sensitive data including occupation and Social Security number, etc. Seconds later I got a screen saying, " Unfortunately we are unable to open an account for you at this time. Thank you for your recent application for a CIT bank account. We regret to inform you that after a thorough review of your application, we have elected to not open a bank account for you at this time. Thank you for considering CIT Bank. '' No other explanation at all, and I have phenomenal credit -- around XXXX currently. XXXX XXXX XXXX I called the CIT customer service and she told me that it typically happens if there was a work computer or VPN involved. Itold her I used my .mil computer and she said that if I used my phone or personal laptop it would accept it. A few minutes later I did exactly that -- and got the same error message. Again with no explanation.
Product: Credit reporting or other personal consumer reports

Previous disputed items from the following case numbers reappeared after being removed for XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. Please see the attachments for your review. The following items that reappeared after being removed showed more than XXXX name, more than XXXX address, old accounts over XXXX XXXX XXXX, accounts that do not belong to me, and accounts that have been disputed. XXXX agreed to remove the disputed accounts but months later reappeared. I'm reporting the inaccuracies and requesting they be permanently deleted from my credit report, ASAP, ( AS SOON AS POSSIBLE ). And not allow these inaccuracies to never reappear again on my credit file months later, AGAIN. 

This Account Is Involved In XXXX. 
I Have Not Supplied Proof Under The Doctrine Of Estoppel By XXXX Silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I Presume That Alleged Debt, NOR Therefore Any Such Debt, In Fact Therefore Exists Pursuant To 18 USC 8, L Owe No Debt, This Company Is Violating My Consumer Right To Privacy Pursuant To 15 USC 1681- B2 Company Has No Permission To Report My Information Per 15 USC 16814.
Product: Payday loan, title loan, personal loan, or advance loan

Received loan during XXXX epidemic. I didn't know the interest rates was enormously high to the point it keeps you in debt I also didn't know they were involved in lawsuits and had such bad reviews. None of your payments go towards your loan at all. And I had gotten XXXX  and was out of work for XXXX  Months and I told them this as well. They are a predatory and scamming company who should be shut down.
Product: Student loan

I was the student on both of these loans XXXX XXXX the borrower on one loan is deceased. can this loan be discharged?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, Account # 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attaching a letter that I sent to XXXX, XXXX, and Trans Union on XX/XX/XXXX. More than 30 days have done by, and I have not yet received responses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am appalled by the ability of the Credit Reporting Agencies to comply to a simple requests in accordance with the Fair Credit reporting act section 605b. The Credit Reporting Agencies have been ignoring my requests sent via dispute letters and CFPB Complaints to immediately remove the disputed accounts and information completely from my Credit File. I have read that the Credit Reporting Agencies are required to remove any accounts and information that resulted due to identity theft in accordance with the Fair Credit Reporting Act section 605b. I believe I am a victim of identity theft and that the accounts and information I have been disputing resulted due to identity theft. I have sent a dispute letter addressed to the Credit Reporting Agencies last XX/XX/2022, with complete attachments of my personal information as well as the ID THEFT REPORT I received from the FTC. However, no matter how I try to dispute my Credit Report, the Credit Bureaus have been constantly paying no attention to my disputes and requests. I am submitting this CFPB complaint to request to the Credit Bureaus once more, to remove the following items completely from my Credit File : XXXXXXXX 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
Product: Mortgage

Chase promised us outstanding customer service and XXXX loan issues as Private Clients. We went through the application process and had everything set for closing. Our loan officer was a nice guy who tried his best to help us but our closing was awful. It was a 7.5 hr closing with our final CD only issued about 2-3 hours into closing instead of 3 business days before. We ended up wiring a substantial amount of money to an escrow account prior to closing based on the verbal instructions from our loan officer. We were not provided with the final CD as required by Fed law. The sellers attorney left after a few hours for another closing. Chase XXXX up the titling on our mortgage which affected our deed. Chase had our closing date wrong which would have meant a dry close on Monday instead of Friday. The title company officially closed at XXXX. The closer stayed until XXXX to try to get the loan done. Chase 's closer and loan department stopped picking up our calls or responding to emails and voicemails. Our IL closing was handled in XXXX. We ended up having to reschedule our move, we had to hire a dog walker since we couldnt leave the title company. We ended up having to take the entire day off work instead of the 2 hours allocated for the close. Chase didnt bother to send a representative to the closing. We ended up dialing everyone we could think of at Chase. I had a Chase branch manager try to get hold of someone to help us figure out how to get the correct info submitted. We had to sign the mortgage docs without very much time to review because of the time deadline and the pressure from the title company closing. The sellers were irate. We submitted a formal complaint the Monday after closing and didnt hear back from the Customer resolutions team until today. She hadnt bothered to review the file. I submitted phone records, copies of emails and a narrative statement to our branch manager who forwarded it to the loan officer and his superior. I would be happy to share those with your department. I could not paste that here due to the character limit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX : {$2700.00} MI XXXX XXXX XXXX XXXX  : {$6500.00} XXXX  XXXX XXXX XXXX XXXX : {$2600.00} XXXX  XXXX XXXX XXXXXXXX XXXX  : {$0.00} XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MI XXXX XXXXXXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX MI XXXX XXXX XXXX XXXX : {$730.00}
Product: Checking or savings account

I have tried opening a few accounts but have been 100 % unsuccessful in XXXX XXXX, XXXX XXXX XXXX XXXX XXXX- When uploading ID a spiral occurs that does not stop -- - All ads have been unblocked in every browser & shields were lowered - I am having a lot of trouble with this company & suspect them of purposefully doing this very thing to other users
Product: Credit reporting or other personal consumer reports

I am submitting this dispute regarding the following negative items on my credit report : DIV OF CHILD SUPPORT - XXXX - {$31000.00} These entries remain unverified and raise serious concerns about their accuracy. I have made multiple attempts to resolve these discrepancies by submitting disputes and providing supporting documents, yet no corrective action has been taken. This lack of resolution has negatively impacted my financial stability and taken a significant toll on my overall health. The ongoing stress caused by these unresolved issues has made it difficult to focus on daily responsibilities. 

As stated in the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report free of inaccurate or unverified information. I request a thorough investigation and prompt resolution of these matters to ensure compliance with federal regulations.
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I have received a copy of my credit report and found a number of items on the report that is incorrect.
Product: Mortgage

My payment with Amerisave increased to {$1300.00} XXXX, an increase of around {$400.00}, roughly. Due to increase, it has been difficult to make payment, no explanation provided for increase. Further, a payment was made in error on XX/XX/XXXX, the amount of {$2600.00}. I previously attempted to schedule two payments each in amount of {$1300.00} from different checking accounts,, unable to schedule using different accounts. A payment delay in amount of {$2000.00} caused payment to return. The payment is from XXXX XXXX, was supposed to be expedited over night on XX/XX/XXXX, it was sent regular mail and not received as of yet. Further, am due to start a second job shortly, paying a wage of {$20.00} a hour, once started, I expect to be able to make payments on time. I will be making a payment in amount of XXXX, XXXX XXXX XXXX XXXX XXXX by XXXX at latest as I expect check previously mentioned to arrive by said date. With information provided including error with payment, new second job, promis to pay payment of {$2000.00}, I request Amerisave allow me time to catch up on past due payments including XXXX and XXXX.
Product: Mortgage

XXXX XXXX, received a loan modification from Ocwen Loan Servicing, we were behind in our payments, by XXXX of XXXX the modification expired, and I was to obtain a loan., I applied to XXXX , HUD , Keep Your Home California and several private lending agencies. Ocwen gave us a loan for 6.25 %., this is outrageous., I paid them on time for 6 years, I was never late, and my FICA score was XXXX. The investor is XXXX. The Department of Justice instructed the banks to work with the homeowners for low interest loans., We applied for another modification about XXXX times, and OCWEN refuse us every time. 
This started in XXXX when our home taxes were behind, and Ocwen stated they would impound the taxes., well they did until they were brought current., unaware that they stopped paying the taxes, they got behind., we then took a {$40000.00} second on the property from XXXX ( XXXX XXXX XXXX ) , predator loan, to pay back taxes. Fast forward to XXXX XXXX, the XXXX is due ( {$40000.00} ), they refused to give us time to pay, unable to pay the full amount ( XXXX ) XXXX filed for " Foreclosure. '' My husband and I faced with option of losing our home filed for Chapter XXXX Bankruptcy. 
I know you do n't want to hear customers private lives, but XXXX in XXXX XXXX, I had XXXX in XXXX/XXXX/XXXX, we are both XXXX., we are both on Social Security, and choking trying to make the payments. I still try to work and my childrenhelp us financially, when they can.
Product: Student loan

I have XXXX XXXX loans with Navient. Both are private student loans. Loan # 1 ending in XXXX issued on XX/XX/XXXX and loan # 2 ending in XXXX issued on XX/XX/XXXX. Both loans were issued to XXXX XXXX XXXX XXXX now named XXXX XXXX. XXXX has been listed as a for profit school that has been deemed by the court of law as operating under misconduct. Due to that judgement the courts have awarded the victimized students of predatory lending the discharge of their student loans. ( Both federal and private ) I have contacted Navient on XXXX occasions XX/XX/XXXX and XX/XX/XXXX. I received an application for loan discharge due to school misconduct after multiple attempts. My school misled me about my likelihood of obtaining a job, misrepresented its job placement rates and my likely earnings after graduation. I've submitted all of the required information and received notification on Sunday, XX/XX/XXXX that my request for private loan discharge was denied. I've contacted Navient on XXXX occasions Tuesday XX/XX/XXXX, Wednesday XX/XX/XXXX and Tuesday XX/XX/XXXX at XXXX XXXX to request an appeal for loan ending in XXXX. They have continued to send me the denial letter in lieu of information on how to file an appeal. Navient has not responded appropriately or responded to my voicemail. Please help!