23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX of XXXX I was notified by Frost Bank that an account under my name was overdrawn. I have never had an account with Frost Bank, I called and they suggested to go into the nearest branch. I drove to the nearest branch, showed my ID and the lady confirmed that the ID used to open the recent accounts was definitely not me. She asked me to fill out the fraud paperwork online. I filled out everything asked for online and sent to Frost Bank, they open a fraud case, I even put a fraud alert on my credit bureaus. Shortly after putting the alert, I received a call from a dealership in XXXX, XXXX asking if I was at the dealership buying a car. I haven't been to XXXX in years, said my identity was stolen, to call the police, arrest the person at the dealership and that I wanted to press charges. Which they apparently never did and just let him walk out the door. 

I continue to receive collections notices from Frost in XXXX, I called on multiple occasions in XXXX to make sure that the case was being worked. Frost representatives confirmed it was, said to disregard the collections letters, that " it takes time for all the departments to get notified '' and that nothing is hitting my credit report. 

I few weeks ago, in XX/XX/XXXX, I received a collection letter from a third party debt collector for the amount owed to Frost Bank. Frost Bank has now sold the fraudulent debt to a third party. 

There is clearly an internal process within Frost Bank that is broken, a company of that size should have Fraud processes in place to freeze collection practices on fraud accounts and when the fraud is confirmed, the credit bureaus are cleared of the inquiries, collections, and past due amounts. 

-Over the past year, I have received multiple collection letters from Frost ( months after they were first notified of the fraud ). These letters should not have happened if Frost had a competent Fraud department. Is Frost just trying to get the victims to pay the debt so the victim can protect their credit history? 
-Frost open bank accounts in the wrong persons name, Frost should have better due diligence on account openings. 
XXXXFrost sold the illegal debt to a third party. Why would Frost sell debt with a Fraud alert?
Product: Money transfer, virtual currency, or money service

A check for {$3700.00} was mistakenly mailed to Fidelity Information Services by XXXX XXXX and cashed on XX/XX/2020. This check was intended for a balance transfer to an account with another lending company ( XXXX ), but was mistakenly sent to Fidelity Information Services at XXXX. XXXX XXXX, XXXX XXXX, IL XXXX. The check was cashed on XX/XX/2020. However, the account number on the check is associated with my account with XXXX and should not have been cashed. I have attempted to contact Fidelity Information Services about this several times, but the customer services representatives were unable to assist me, nor were they able to direct my call to anyone who would be able to assist me. I just need to confirm whether or not this check was cashed by Fidelity Information Services, and if it was, I need the money returned. I'm working with XXXX XXXX as well on a separate case with CFPB as well. I am including a copy of the check.
Product: Debt collection

I am unaware of this debt. I did not have the opportunity to dispute this information. If in fact you believe you gave me the proper notification, then please send me the certified receipt with my name and signature on it as verification of the notification.
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 7. Account legally paid Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) account was legally paid in full but still showing Inaccurate Status IT SHOULD be PAID FDCPA Section 807 Violation XXXX XXXX XXXX XXXX  Account Number : XXXX The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, i demand that any wrong, incomplete, or unsupported material be deleted and update as agreed this payment history 9. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 10. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 14. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 15. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 16. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 17. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 18. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Product: Credit reporting or other personal consumer reports

Account Name : XXXX  Account Number : XXXX Reason : Unverified account Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/year> Reason : I don't recognize this inquiry My social security number has been compromised from the social security XXXX that occured in 2024 access to the Natiional XXXX XXXX XXXX XXXX 
Thank you for the prompt attention to this matter. Please feel free to contact me at XXXX or XXXX if further information is required.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Acct # : XXXX Acct # : XXXX  Acct # : XXXX Experian XXXX XXXX XXXX XXXX, Tx XXXX In accordance with the fair credit reporting act this creditor has violated my rights 15 USC 1681 Section 602 a I have a right to privacy ( 15 USC 1681 section 602 a section 2 also states a consumer reporting agency can not furnish an account without my WRITTEN instructions 15 USCS 1666b a creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.

15 USC 1681 C ( A ) ( 5 ) States that no consumer reporting agency may make any consumer report containing any of the following information. Any adverse item of information other than records of conviction and crime which antedates the report by more than seven years.

15 USC 1681 S-2 A 1. A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 USC 1681 I5 The consumer reporting agencies are supposed to modify accounts that arent reporting accurately.

15 U.S. Code 1681a Definitions ; rules of construction Exclusions. Except as provided in paragraph the term consumer report does not includeany report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC code 1681n civil liability for willful noncompliance 15 USC code 1681o civil liability for negligent non compliance 15 USC code 1681e compliance procedures
Product: Checking or savings account

Someone opened an account at Umpqua Bank without my knowledge and got insufficient funds out ( {$50.00} ). Called the bank and talk to a representative and they told me that I would have to go to FTC.GOV which preferred me to you guys ( cfpd ).
Product: Debt collection

Hello, XXXX has sent {$59.00} to a collection agency for services that never occurred. 

In XX/XX/2022 I paid XXXX XXXX {$51.00} to send a Priority Overnight envelope approx. XXXX miles. My envelope was lost/missed and never left the local XXXX location. It sat for multiple days. I finally drove over to the local XXXX and retrieved my package. I then made the drive to deliver the package myself. 

I made multiple requests to XXXX for a refund in the amount of {$51.00} due to not receiving the service that was paid for and taking the package myself. All requests were denied. I then submitted details and supporting documentation to my bank. After a thorough and months-long investigation, my bank ruled in my favor and reversed this charge. XXXX has now sent {$59.00} to a collection agency for services that never occurred. Can you please assist? Thanks.
Product: Credit card

Dispute Case # XXXX XXXX XXXX XXXX XXXX Against Merchant XXXX XXXX XXXX XXXX. XXXX disputed : {$3100.00} The Merchant had proposed to build half-toilet / powder room and meet the building code and XXXX XXXX XXXX XXXX The scope of work is detailed in the draft agreement and it included everything such as but not limited to carpentry, plumbing, electrical, walls, flooring, texturing and painting, install vanity and all the fixtures, apply for the permit from XXXX XXXX. The Merchant not only failed to provide any service or the product but also violated XXXX XXXX / Texas State Building Code requirements by not providing license and insurance information. I provided a detailed letter along with supporting documentation as well as written communication with the Merchant to Capital One. The documentation I provided confirms beyond doubt that the Merchant did not complete any of the service listed in the draft agreement. 

I requested Capital One Dispute Department to ask the Merchant for evidence of the completed work in the form of pictures, verify against the draft agreement AND also ask for the license information for the plumber and electrician who performed the work as it is required by the Texas State Law. Until the Merchant provides a verifiable evidence, I requested Capital One Dispute Resolution Department to reject any charges from this Merchant.
Product: Checking or savings account

I made a purchase with my bank Wells Fargo using my debit card on XXXX XXXX to buy some stuff. I placed the order and later I received my stuff but everything was wrong and was missing items in my order. I tried contacting XXXX XXXX but there app is not helpful at all and couldnt get in touch nor the driver regarding this problem and this was on XX/XX/XXXX. The total of the order was {$40.00}. I opened my claim with Wells Fargo on XX/XX/XXXX and told them the same info and just last week week of XXXX XXXX I got a letter saying my claim was going to be closed on XX/XX/XXXX since they said they requested more info to help with the claim but never received a request besides explaining what happened when I first open the claim. I called and I gave them the info I needed and today XX/XX/XXXX I see the provisional credit was reversed and claim was closed and I called and spoke with someone to see what happened and why was the claim was closed and not in my favor and the worker told me that XXXX XXXX provided proof that it was in fact me that placed this order and wells fargo closed the claim due to that according to the worker. I never opened this claim because I wasnt the one who made the charge, I know I made the charge but what I opened for the claim was due to not receiving what I paid for and not given a resolution by the business and no matter how much I tried XXXXXXXX XXXX made it impossible to get in touch with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting my complaint to inform you that the 2 credit bureaus failed to do their obligation to remove such inaccurate items on my credit file. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 2 Credit Bureaus are reporting inaccurate information. Please simply " Remove '' the items. These fraudulent items are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here are the lists of the erroneous items reporting on my Credit Report that should be delete : XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX Chapter XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE TRIED TO REACH OUT TO EXPERIAN TO RESOLVE THIS ISSUE MULIPLE TIMES FOR THE PAST FEW MONTHS AND THEY DO NOT RESPOND. I HAVE NOT HEARD ANYTHING BACK OR BEEN PROVIDED WITH ANY UPDATES.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022. XXXX, XXXX, and Experian failed to produce an investigative report on XXXX XXXX XXXX aka XXXXXXXX XXXX  XXXX aka XXXXXXXX XXXX XXXXXXXX accounts posted to my consumer report. It is a violation of my consumer credit rights to report on a debt I never validated. It is identity theft to transfer or allegedly transfer a taxpayer identification number without the authorization of the taxpayer to aid and abet a form of payment. It is tax fraud to not sent copies of 1099c and 1099 OID to the taxpayer by XX/XX/XXXX of the following year. It is a violation to assign say any consumer owes a debt and that any debt is seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department. That is a violation of 15 USC 1692e, no lawyer, no collection agency or allege credit grantor can act as a debt collector.
Product: Mortgage

As a XXXX  for 10+ years. I will not EVER use navy federal for lending. I have tried twice personally myself to get loans from them once XXXX XXXX and years ago before XXXX. Its a long and drawn out process and it seems they look for ways to figure out why they shouldnt give you a loan rather than should. I recently applied for HELOC loan and was denied. I didnt get a curtesy call to discuss why but only a paper saying unable to verify income. When in fact I have W2 {$90000.00} job as a XXXX  additionally make XXXX from tax money with XXXX No bills other than two mortgages with one I have Tennant in place making XXXX net income. Second reason form say credit application incomplete. My credit score average XXXX and I was a travel nurse previously before W2 job. So both of these I am left with explanation. I was told by XXXX over the phone if they cant contact a job from XX/XX/XXXX given its year XXXX from a contract agency job they can deny my application. But as a Realtor I know people can also get a brand new job without working in that field and apply for loan and get approved. I asked for policy on that and she said they wont give me standard policy they use on it. Everything else is ok with navy federal service except for the loan sector. Me with A credit scores and making XXXX a year get denied for a loan. Only bills they can say i have to my name is two mortgages again with one being rented out but even with two mortgages my DTI is still low enough. I can only imagine what others go through. 

I do plan to seek legal proceeding with this to be sure Navy Federal changes their discriminatory Lending practices. This is a general publicly lending Compnay and they cant just pick and choose who they offer loans to. This isnt a local private lending company. XXXX XXXX deserve better service than this from a member owned and funded company. I have had way way better service from various other loans my clients and I obtained from other credit unions. This is my second time applying for loan with Navy federal credit union. The first time years ago they said I had a DTI of 99 %. Then I said you know these properties I said I owned are rented out right. This was after they said they denied me. Per the lady words after denial said Oh I didnt know you had these rented out. I did indeed inform her of this already. What reasonable person would even put themselves in a 99 % DTI situation. My credit score and application clearly shows I had multiple mortgages with no late payments. So this could have been asked before just flat out deny me and say apply again later.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I wanted to follow up on the results received from you and the other 3 bureaus from my investigation, thank you for getting back with me within 14 days.

I read that the process of the investigation is to reach every individual company to verify the accuracy of information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verify with. I ask you to delete anything that is not 100 percent accurate. I had a lot of inconsistencies between the 3 bureaus, below i have listed them out for you. 




Date of Last Activity/Account Status/Date Opened I have now pointed out the mistakes so these need to be deleted not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that XXXX, XXXX, XXXX all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation.At this point. I demand you delete these accounts immediately. Please forward me an updated credit report to my address after you have completed your deletions. 

Thank you,
Product: Payday loan, title loan, personal loan, or advance loan

Please review attachments. I am writing to file a formal complaint against Mariner Finance LLC regarding their unfair and possibly illegal practices.
Product: Debt collection

This account was opened XX/XX/2014. It was supposed to be handled through the V.A help advocates that helps prevent veterans from becoming homeless. But they did not get the payments in on time causing me to be evicted, becoming homeless and get stuck paying this bill. And it is now on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sus
tained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that has been XXXX. List of items that are UNKNOWN to me : XXXX XXXX Date Opened : XX/XX/1987 Balance : {$5500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to my earlier complaint XXXX Experian responded with a bizzare and frivolous claim that my complaint " did not appear be be submitted by me '' even though I provided my name, date of birth and the last 4 digits of my SSN. 
Then in response to my second complaint they not only admitted that it was I who submitted my first complaint but now claim that they are not going to investigate because I already requested investigation earlier. Therefore, they are completely cofused, contradict themselves and are just trying to avoid compliance with the FCRA. 
Please investigate and delete the following false accounts : 1. XXXX XXXX account XXXX 2. XXXX XXXX XXXX account XXXX XXXX. Accounts XXXX account # XXXX 4. XXXX  XXXX account # XXXX 5. XXXX XXXX XXXX account XXXX
Product: Debt collection

I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND yo validate this account : Please provide me with the following : Full accounting for this account Copy of assignment of purchase from the creditor Every charge and what was purchased, fee, payment, credit interest How you calculated what you claim I owe ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Full chain of assignments from charge off to present Proof that you owe the debt with full clear title Proof that you were on the original contract ( XXXX XXXX XXXX XXXXXXXX ) & ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX If you cant provide me with sufficient proof listed above, then you must delete the above account from all XXXX  credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation. My attorney who specializes in suing debt collectors will be on standby waiting for instructions.