23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is a notice of dispute pursuant to the Fair Credit Reporting Act, section 623, subsection ( 8 ) ( D ). The specific information being disputed is the derogatory nature of the information you have furnished to the credit reporting agencies in connection with NAVY FCU Account number XXXX ********** Date Opened : XX/XX/2018 Balance Owed : {$5900.00} NAVY FCU Account number XXXX Date Opened : XX/XX/2018 Balance Owed : {$4000.00} In addition, I am also writing to request documentation related to charged-off account/s that I believe have been declared as losses or uncollectible debts by your institution. Specifically, I am seeking a copy of Form 1099-C, Cancellation of Debt, for the relevant account/s. 

I noticed that this account of NAVY FCU opened on XX/XX/2018. Account number - XXXX was charged off with a balance of {$5900.00}. 
I also noticed that this account of NAVY FCU opened on XX/XX/2018. Account number - XXXX was charged off with a balance of {$4000.00}. 

I am requesting that your company please forward me a copy of the 1099-C that was issued by your company when you charged this debt off with the IRS which is required by law for all debts over {$600.00}. I understand that when a creditor deems a debt uncollectible, it is required to file Form 1099-C with the Internal Revenue Service ( IRS ).

In accordance with the FTC guidelines, reporting charged-off accounts that have been declared as a loss or uncollectible debt is considered a form of collection. I am aware that when a creditor writes off a debt as uncollectible, it is required to file a Form 1099-C with the Internal Revenue Service ( IRS ). This form is important for tax purposes and provides transparency regarding the XXXX debt. 

This negative rating has caused me some serious financial distress and will continue to cause me financial and emotional distress until it is resolved. As indicated by Tax Publication XXXX it states anything more than {$600.00} should be given 1099c. I didn't get any 1099c. 

In conclusion, you have disregarded 15 USC1681s-2 which expresses the furnisher should ensure that they are announcing 100 % accuracy & precise information on my Consumer Report and you are not. 

I demand the deletion of this account from my consumer report or I will continue with a small claims action against your company, XXXX. XXXX XXXX XXXX civil liability XXXX. DEFAMATION OF CHARACTER XXXX. Violations under 15 USC 1681 a ( 4 ) right to privacy Please acknowledge receipt of this dispute and provide a written confirmation of your commitment to initiate the investigation immediately and the deletion of this account within fifteen ( XXXX ) days of the completion of your investigation. 

I appreciate your prompt attention to this matter. 

See attachments! 

XXXX XXXX Without Recourse UCC XXXX XXXX All Natural Inalienable Rights Reserved
Product: Debt collection

A debt collection from Midwest Recovery Systems in my name was put on all 3 credit reporting company 's. The collection attempt is for XXXX dollars on a account through XXXX XXXX company just opened a month ago. I live with my parents and have not had utilities in my name for 5 years. I also have never received anything in the mail regarding a debt and the chance of it being reported on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I had an account to become pass due with XXXX University. 
They sent it to Abillity collection services whom then sent it to credit XXXX and XXXX credit reporting services on XX/XX/XXXX. My compliant is I asked the Credit bureau for verification of bill all they say it been verified, not telling who verified it or how. Also the Account has an incomplete Account number in Violation FCRA and also it been time barred because it been over seven years since date of XX/XX/XXXX when it became past due. 
It have made calls to both XXXX and Ability services they were rude both hanging up the phone when I asked for verification information. please help me to get some resolve in this case.
Product: Bank account or service

This is a complaint about Bank of America. Why am I being charged an {$8.00} maintenance fee? I do n't use the teller. 

These fees are illegal under Section 502-09 of the US Banking Code. Please remove the fees and reimburse me the fees.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$19000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

On XX/XX/XXXX a check I wrote was stolen out of the mail and altered when I went into my Webster account on XX/XX/XXXX to make on electronic payment my balance was XXXX dollars I went into my transaction history and saw a check I wrote out to XXXX XXXX for {$440.00} was altered with a different name and dollar amount was changed to {$4400.00} I went to Webster bank on Friday XX/XX/XXXX filled out all paperwork work Im going on XXXX months still has not put the money back into my account I was told it can take 8 months before this money is placed back into my account I am the only source of income in my house hold this is hurting me financially I feel there process for placing the money that was stolen out of my account is horrible basically what Webster Bank is telling me until XXXX  refund the money to them, then they will put it back into my account this is terrible customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquires dated back to XX/XX/XXXX from a company called XXXX for XXXX XXXX XXXX XXXX XXXX and various other companies I had my identity stolen a year ago and I didnt authorize these inquires. Ive wrote the credit bureaus and the actually companies and they failed to take them off my credit report. I also have two accounts from XXXX XXXX XXXX for XX/XX/XXXX and XX/XX/XXXX that are fraudulent that I have went back and forth with both the credit bureaus and the actually company and nothing has been done. I have a police report on file as well and they still have yet to fix these errors
Product: Mortgage

I am a VA XXXX VET and requested a home loan modification or possible payment assistance arrangement from my mortgage servicer, PennyMac Loan Servicing LLC., as I am now in a better financial situation, as I've fallen delinquent with my mortgage payments. I faxed and emailed, all of the known application documents in which would be requested on XX/XX/XXXX, to PennyMac in hopes that the paperwork would appear in their servicing system by today, Monday, XX/XX/2019. In following up with their Loss Mitigation Dept. I was advised that the paperwork can take up to 48 hours to image through. 

My auction date is scheduled on XX/XX/XXXX. I understand in reading the PennyMac website, application for loss mitigation options must be received by no less than 7 business day. Today would be my deadline to send documents within their servicing system. I dont belive it is fair that I've faxed in the paperwork and then being told they cant get to it till days in, when an auction date is 9 days away.
Product: Credit reporting or other personal consumer reports

These inquiries were removed from other reporting agencies due to inaccuracies and unknown sources I need these removed immediately 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: Credit reporting, credit repair services, or other personal consumer reports

In the process of viewing my credit report due to bankruptcy  and creditors changing information, Fair Collections and Outsourcing had not updated their information correctly. This account is listed in a active bankruptcy and needs to reflect as so or be removed permanently. At this point of time the account is showing as opened and consumer disputed this account and confirmed with accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I noticed unauthorized inquiries from XXXX XXXX XXXX  XXXX XXXX Inquiry date : XX/XX/XXXX, XXXX my credit report, someone applied for a credit card in my name. I don't know the amount but the inquiry is on my credit report, I contacted the company and the XXXX XXXX about this and haven't gotten any satisfaction.
Product: Debt collection

XXXX XXXX XXXX and Mellon Bank fraudulently on several levels attempted to collect a fictious debt. They were informed the debt if it existed was statutorily barred from collection, I was XXXX and unable to if the debt existed. They wrote off this debt ( TAX FRAUD INVESTOR FRAUD ) even though they were informed in writing XXXX times a 1099C would fraud and harassment, they sent me a 1099C for {$410000.00} on a non-existing debt. Additionally due to lies and actions by the ( Mellon Bank XXXX XXXX ) and XXXX XXXX XXXXXXXX my home was lost as well as prior mortgage payments. 

The 1099C places a XXXX XXXX XXXX XXXX without assets at the mercy of the IRS for taxes, penalties, fees, interest on {$410000.00}! 

The attached documents prove these egregious actions most of which is supported in the XXXX XXXX transcript attached. SHOULD THIS GO INFRONT OF A FACT FINDER the witnesses will ALL BE LAWYERS! other than myself. XXXX XXXX, Mellon and XXXX XXXX XXXXXXXX have confirmed their actions in writing. 

I will share what I have with law enforcement and vetted Lawyers
Product: Debt collection

I initially filed a complaint on XX/XX/2017 in reference to not receiving validation of the debt as requested before placing this account on my credit file. XXXX XXXX ( compliance analyst ) responded stating " DCI has no record of receiving any correspondence from XXXX XXXX requesting validation of the debt therefore it was never provided. '' ( I 've attached a copy of the response ) and I also have the certified mail tracking the receipt of the documents.However I received a letter dated XX/XX/2017 ( 2 days after my initial complaint was filed ) responding to the debt validation letter I mailed that XXXX XXXX claimed DCI had no record of. I 've attached that letter also. What was sent as debt validation is a copy of a final bill, not a signed contract between this company and I. 

First this account should not have been placed on my credit file before the " debt validation '' was mailed. XXXX XXXX stated that DCI had no wrong doing in this matter which clearly placing this account on my credit file before responding to the validation request is a violation of my rights!
Product: Student loan

They will not let me Defer Ive been have a hard time with work with that on my credit and they keep putting late post on credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Got the car In XXXX got repossessed in XXXX of XXXX I got sick with XXXX couldnt go back to work. I had XXXX to pay off now its XXXX CREDIT ACCEPTANCE CORPORATION is the company
Product: Credit reporting or other personal consumer reports

I am writing this to dispute a account listed on my credit report that I believe is a result of identity theft. I have recently reviewed my credit report and noticed this account named XXXX XXXX  that I do not recognize, i have not authorized this and have never had any agreement or have done any business with this company.
Product: Credit card

I have multiple credit cards with multiple institutions, and I 'm fairly well-versed on how they work and their terms and conditions. Presently, I 'm carrying a promotional 0 % balance on XXXX of my Chase cards, and as part of their T & C, any purchases I make on the card will accrue interest immediately with no grace period. 
I made a small purchase last Fall and immediately paid it off. Sure enough, I was charged interest, but it was a small amount and I their customer service to clarify. They agreed to refund the interest as a courtesy and instructed me to make payments on any purchases immediately to avoid future interest. 
I used this particular card again in XXXX since it 's a hotel credit card and you get extra benefits with the hotel when you use their card. My charges totaled {$30.00} which I paid back to Chase four days after the charge posted. I was charged {$0.00} in interest on that month 's statement, and then an additional {$0.00} in interest the following statement, even though I made the minimum payment AND a payment for the total of my charges ( only {$30.00} ). On my next statement, the card 's {$49.00} annual fee posted, and I was charged another {$0.00} in related interest charges from my single transaction two months prior as well as interest on the annual fee. I did n't think you could accrue interest on bank-imposed fees, but Chase apparently does. 
When I contacted Chase the first time it happened, the representative I spoke with could n't provide me an answer as to why this is their policy. Let me clarify further, it 's not that he could n't give me an answer, he had absolutely no response when I questioned Chase 's motives as to why they 're discouraging their customers from continuing to use the card in the event they carry a promotional balance. 
When I contacted Chase this time via online messaging, all I received was a regurgitation of what already happened with no actual explanation as to how the interest is charged and why it keeps growing exponentially.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately, i had four late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments I've attached a copy of my report to this complaint on the following dates ( insert date Always add month and year ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action. 

Sent from my XXXX
Product: Credit card or prepaid card

I have a small business credit card with American Express. They told me that they did not receive a payment and closed the account. They also reported on my personal credit that they closed and charged off the account. During the pandemic. We gave them proof that it was paid. They still have not credited us and filed a lawsuit against me in court for this amount plus a {$2000.00} interest charge. 
I have been calling them. My attorney has been calling them. This has been going on for about 7 month and they told my attorney they were sending me a letter clearing up the matter and then they filed a lawsuit. The man that claimed it was cleared up was Mr. XXXX.
Product: Credit reporting or other personal consumer reports

Hi, It appear that some of the accounts I disputed back in XXXX on my credit bureau file are still populating despite my request for removal and delition. This is a gross abuse of my consumers rights. I'm asking again, that these accounts be delided and removed once for all and never to returned as they're hurting my credit life. 

I've forwarded proof of my identity along with an alphadaffit of the fraud committed against me from my local police department. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of negative accounts from my credit report in accordance with the Debt Bondage Repair Act. These accounts were reported incorrectly as they are the result of debt bondage or other unlawful acts. I have enclosed the necessary paperwork that verifies this claim, including [ mention any specific documents, such as police reports, court orders, or government-issued documentation supporting your claim ].

I ask that you review the attached documentation and take the necessary steps to remove the inaccurate information from my credit report immediately. I am currently homeless and have included my passport for identification purposes. I understand that under the Debt Bondage Repair Act, you are required to remove or block any information associated with unlawful activity from my credit report. 
The following accounts should be removed : [ XXXX XXXX XXXX ] [ XXXX ] Transunion [ XXXX XXXX ] [ XXXX ] Transunion [ XXXX XXXX ] - [ XXXX ] Transunion [ XXXX XXXX ] - [ XXXX ] Transunion [ XXXX XXXX XXXX ] - [ XXXX ] transunion [ XXXX XXXX XXXX XXXX ] - [ XXXX ] Transunion [ XXXX XXXX XXXX ] - [ XXXX ] Transunion [ XXXX XXXX ] - [ XXXX ] Transunion [ XXXX XXXX XXXX ] - [ XXXX ] Transunion [ XXXX XXXX XXXX XXXX XXXXXXXX ] - [ XXXX ] Transunion Inquiries to be removed XXXX XXXX XXXX XXXX Transunion ) XXXX XXXX XXXX ( Transunion ) Please confirm in writing once the negative information has been removed from my report. Additionally, if you require any further documentation or have questions regarding this matter, do not hesitate to contact me. 
I appreciate your prompt attention to this important issue and look forward to your swift response.
Product: Checking or savings account

I had been with Robinhood since XXXX in good standing, then during the pandemic I trusted my money from the stimulus to be deposited from the Internal Revenue Service into that account, less then a year later XXXX the problems started, first they restricted my account, they stated I needed to submit my identification which I did, not even 10 mins after it was restored it was restricted again, I then decided to give it some time because I did not really need access to the money an it was still getting interest on it being saved with them. Fast forward to XXXX I once again attempted to access my account at which point I learned that they Closed my account, however I can still login an access it, BUT can not withdraw, so I resubmitted my identification hoping that would help but nothing. So then I contacted support all three the later half of XXXX all the way until now XX/XX/XXXX an EVERY email gets ignored and because the account is considered closed I can not request a call back, I have Even resorted to reaching out to Robinhood support page on XXXX AKA XXXX, an still have yet to here back, today I filed a claim with the XXXX  and was suggested to you guys by a family friend, this account in question has a balance of XXXX. Someone please help
Product: Mortgage

XXXX/XXXX/XXXX - I received email solicitation to refinance with XXXX XXXX and receive a {$500.00} Ocwen " Loyalty '' Reward. 
XXXX/XXXX/XXXX and again XXXX I notified the " loan officer '' that I had completed preliminary disclosure documents but there was no loyalty reward and the documents reflected an appraisal fee that was paid. I requested accurate documents. I repeated this request to another purported loan officer on XXXX/XXXX/XXXX and, again to a loan processor. This was by electronic mail, and I will attach copies. 
I never received accurate disclosures. 
I received an email on XXXX/XXXX/XXXX that I had withdrawn the application and asking for me to complete an opinion survey. I completed the survey, said that I had never received disclosures, had NOT withdrawn my application and demanded a refund of the fee paid on XXXX/XXXX/XXXX in the amount of {$450.00}. I repeated this request for a refund on XXXX/XXXX/XXXX by email to the purported loan processor. I have not received a refund. I will attach a copy of the charge on my account, see p. 2 charge on XXXX/XXXX/XXXX in the amount of {$440.00}. 
XXXX is as much of a scam as Ocwen.
Product: Credit card or prepaid card

Someone opened up an account in my name and I didnt know. I never gave consent, when I pulled my credit report thats when I saw it
Product: Credit reporting, credit repair services, or other personal consumer reports

I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 

XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Product: Bank account or service

I was trying to open up a bank account at a bank they told me they could n't open it due to the XXXX so I stated ok i will wait for the letter in the mail. The letter stated that i owe banks money and i could n't open the account until i payed them off. I told them i was a victim of Identity theft and that my name was used in opening accounts in my name.
Product: Checking or savings account

On XXXX XXXX, 2017 I filed a claim with TD Bank in regards to my debit card being used with taking cash from ATM 's on a daily basis. I have had this account for years and my activity on this account was very very limited. Easily said I hardly had any transaction on this account and never did cash withdrawals at an ATM. I filed this claim stating that TD bank allowed cash to be taken out on a daily basis until the money was gone in my account. The system should have noticed I never did ATM cash W/D and that this amount of activity was out of the normal for my account but they did not catch this problem. Within 24 hrs of filing this claim, TD bank contacts me saying they completed their investigation and found no error and that all the ATM transactions and a few XXXX point of sale transactions are valid. They claimed the activity was within my normal activity which is clearly not true as I have already stated I never did ATM cash W/D in the history of my account let alone the amount of spending taking place. Next, they claimed the card was used within my home area which in fact when researched the card was used at ATM 's located over 15 miles from my home and XXXX transaction took place over an hour from my home location. Every reason they gave for denying my claim was clearly false and can be proven by the years of activity on the account. Moreover, how is a proper investigation completed in 24 hours time? They refused to get photos from cameras where the transactions had been made. They asked me to get a police report and when I spoke to the police they said that the bank must first do a real investigation and that cleary my bank did not if they closed the claim with a 24 hr time frame. Even the police department said they never heard of an investigation being completed within 24 hours. TD bank has refused to issue me {$10000.00}. They even ignore the XXXX protection promise on the transactions made at retail locations using my card. It seem 's TD Bank feel 's they do not have to protect customers money nor does REG-E or XXXX fraud protection for the unauthorized transaction when card used in stores does not apply to TD Bank. It has been one-year fighting to get my money back and after countless emails from supposed TD Banks corporate office, all they tell me is to get a police report. I repeatedly told them what the police told me but it does not seem to matter to them what the police have to say. I feel these are just excuses for TD Bank to deny customers claims and especially when they are being dishonest for their reasons for denying my claim.