23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance : XXXX XXXX XXXXXXXX  XXXX XXXX Balance : XXXX  XXXX XXXX  XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : XXXX  ; XXXX XXXX Balance : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : 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 XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis XXXX # : XXXX Case # : XXXX Bankruptcy Record 1 is showing a record source of MO FEDERAL BANKRUPTCY XXXX. Attached letter from MO FEDERAL BANKRUPTCY shows the court does not verify such info. I would like the record removed from my report.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 my bank ( Navy Federal Credit Union ) sent me letter for the transfer of {$18000.00} to XXXX XXXX XXXX  in XXXX XXXX which i requested. I provided them this account number ( XXXX ) on the check and this address ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, California XXXX ) but they omitted the XXXX XXXX. 

The check went and it was endorsed and cashed at XXXX XXXX XXXX  on XX/XX/2021 onto Account Number XXXX. 

XXXX XXXX contacted me again that they have not receive the money. I went back to Navy Federal Credit Union on XXXX XXXX, XXXX to inform them of what has happened. They sent me to go to XXXX XXXX XXXX  to ask about the account used to cash the check if the account belong to Navy Federal Credit Union in XXXX XXXX and i did. XXXX XXXX XXXX  told me that they can not deal with me since the check came from Navy Federal, so they have to open fraud investigation and work with their fraud investigation team. I went back to Navy Federal Credit Union, and they are not willing to do it. They are trying to distance themselves. 

I have also called Navy Federal Credit Union also to investigate the account use if it was for them and transfer the money to close my loan account and they are also refusing to do that. I have provided them a copy of the check and the endorsement and my statement that show the transfer of {$18000.00}.
Product: Debt collection

I making a formal complain on the company NCB Management. NCB Management first called a family members phone number on XX/XX/2022. NCB was told that day that the number they were calling was not mine but a families member. This family member was told they would not call this number anymore and she advised she would let me know. NCB continued to call during the time frame of XX/XX/XXXX until current. During the time frame of XX/XX/2022 and XX/XX/XXXX of XXXX NCB called 36 times. During this time they were told on more than one occasion again this number was not mine but of a family members. In accordance to the Fair Debt Collection Practices act - it states that People collecting debts can't harass, oppress, abuse, or deceive you or anyone else they contact. Companies attempting to collect a debt can not call you over and over, make repeated phone calls that are intended to annoy, abuse or harass you or any person answering the phone. to which NCB continued to do despite being told to not call that number again and that it was not my number. I spoke with NCB on XX/XX/XXXX at XXXX am XXXX and advised that the number they had on file is incorrect and do not contact as it is a family members. NCB is also in violation of my rights through not only CFPB but XXXX for the biggest reason being XXXX requires all debt collectors to comply with their regulations. one regulation is that within five days of the debt collectors first contact with you, the debt collector must give you the following information in a written notice. 1. ) the amount of the debt 2. ) the name of the creditor to whom the debt is owed 3. ) that you have 30 days from receipt of the notice to dispute ( there has been not notice or validation sent ). NCB has violated multiple rights of mine.
Product: Checking or savings account

A promotion was sent to my email about opening a checking account with citi bank, the terms were if XXXX electronic deposits totaling {$1500.00} were deposited to the account, the deposits were made and posted on XX/XX/year>, a promotion of {$300.00} would be deposited to the account, however that promotion was never posted. I contacted the customer service department and they stated the promotion should've been desposited but they are unsure on why not.
Product: Debt collection

I receive regular notifications that I owe XXXX XXXX ( creditor ) {$470.00} via Resurgent ( collection agency ) to LVNV Funding ( current owner ). I have been a long-time XXXX XXXX customer, don't recall an outstanding debt, was never contacted by XXXX XXXX about the debt... they know where to find me, and have checked with XXXX XXXX about it. My sense is this is a collections scam.
Product: Mortgage

We have applied for a re-fi with our current mortgage company Caliber Home Loans XXXX XXXX XXXX XXXX XXXX beginning in XXXX of 2020. I have filled disclosure forms, had my credit run, and allegedly been approved on three separate occasions. Each time told the mortgage was going into final approval, then the process starts over. I don't understand what's happening but it seems the company is acting in bad faith. Since beginning this process I've been submitted to relentless adds and calls from companies claiming to be affiliated with Caliber. I feel they may no longer be a legitimate company. The processor XXXX XXXX does not respond to calls or emails. I have over 30 corresponding emails so I'm not sure which ones to attach here?
Product: Credit reporting, credit repair services, or other personal consumer reports

Several attempts have been made through the 3 major credit bureaus 's and cfpb to attempt to recieve vadilation of debt for a unknown company that neither agencies have been able to present proof or vadilation of debt the cfpb referred matter out to the ftc and i still have not recieved a correspondence and its been well over 90 days that i recieved vadilation of debt from the 3 major credit bureaus for the company called The General that XXXX and Transunion yet to provide validation of debt per law there is a time limit that vadilation haves to be sent to consumer and yet its not recieved or removed from my credit report
Product: Debt collection

account # XXXX and # XXXX has been charged off with XXXX  XXXX XXXX, according to the IRS a charged off account is not considered debt it a profit loss for a creditor or financial institution and income for a consumer who can file a 1099 C as well. XXXX  XXXX XXXX filed a 1099 C but I the consumer didn't receive a copy of the 1099 C. furthermore a charge off should not be reported as debt on a consumer report because the IRS states that its considered income and income is not reported on a consumer report therefor a creditor or financial institution is committing fraud Furthermore Northstar Location Services LLC is trying to collect on an account that has been charged off and deemed as income by the IRS and is considered income and they are also committing fraud.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX TRANSUNION LLC CONSUMER DISPUTE CENTER po box XXXX XXXX, PA, XXXX Re : Identity Theft Report Account Fraud Notification Dear TRANSUNION, I am writing to inform you that I am a victim of identity theft, and I believe that an unauthorized account has been opened in my name. I did not authorize or apply for this account, and I suspect that my personal information has been used fraudulently. 
Account Information : Name on Account : XXXX XXXX Account Number : XXXX Date of Unauthorized Activity : XX/XX/XXXX NAME ON ACCOUNT : XXXXXXXX XXXX XXXXXXXX ACCOUNT NUMBER : XXX DATE OF UNAUTHORIZED ACTIVITY : XX/XX/XXXX NAME ON ACOUNT : XXXX XXXX ACOUNT NUMBER : XXXX DATE OF UNAUTORIZED ACTIVITY : XX/XX/XXXX NAME ON ACCOUNT : XXXX XXXX XXXX XXXX DATE OF UNAUTHORIZED ACTIVITY : XX/XX/XXXX I request that you immediately investigate this matter, freeze the account, and take the following actions : XXXX. Close or freeze the account to prevent further unauthorized activity. 
XXXX. Remove any negative information related to this account from my credit report. 
XXXX. POLICE REPORT NUMBER : XXXX In addition, I have filed a report with the Federal Trade Commission XXXX FTC ) about this identity theft incident, and I am including a copy of the FTC Identity Theft Report for your records. You can verify this report using the information below. 
Details for FTC Identity Theft Report : FTC Report Number : FTC Report XXXX Date Report Filed : Date XXXX If you require additional information or documentation to assist in the investigation, please contact me at AT THE ADDRESS ABOVE. 
Thank you for your prompt attention to this matter. I look forward to your timely response and assistance in resolving this issue. 
Sincerely, XXXX XXXX
Product: Debt collection

I installed  XXXX   XXXX  service at my apartment. With my  XXXX   XXXX  service I was offered a  XXXX   XXXX . I took the offered. I was charged outrageous fees for used data that I did not understand, I also received equipment that I never ordered. I was charged for it. I returned the equipment, but theyvkept charging. While I was disputing the charges  XXXX   XXXX   XXXX  cancel my  XXXX   XXXX  service without notification.   I.c.  System Inc. do  not stop calling. They reported me to   XXXX   and  XXXX  that I know, I do know how many others.   What they do is they reported me wait a couples of months, withdrawed it, wait a couples of months a reported me again for the same thing. This is been going for the last year.
Product: Mortgage

Wells Fargo, like all mortgage servicers, does the annual review of the escrow account. Unlike the other 2 servicers in the past, they're the only company that will not allow a lump some payment to increase the escrow to the "minimum required reserve amount" which ofcourse is greatly in excess of what is reasonable or necessary (nearly twice the amount of my annual taxes and insurance). The first year it occurred after my servicing was sold to wells, I made the lump some payment and contacted their service center as was able to get them to leave my fixed payment at the amount it has always been. When I pressed for the reason they made it so hard to maintain the same payment amount if escrow is maintained by the homeowner I was told it results in undue costs to the organization. Since the escrow review has to be done, the only cost it being able to suck up more of the payment away from principle. This was XX/XX/2018XX/XX/XXXX I recieved a letter telling me Wells Fargo will no longer allow me to pay the escrow shortage.I received the notification today that my payments are being raise by XXXX annually, in spite of the fact that my balance has been sufficient and maintained and there has been no increase in taxes or insurance at this time.
Product: Debt collection

Letter from collection co. Stated I owed a debt from original creditor XXXX, contacted XXXX and I dont have nor never had an account with them therefor noting is owed, this is a fraudulent scam
Product: Mortgage

Nine months ago my loan was modified. I have made monthly payments since then, which all are reflected in statements. However, despite my numerous requests, the servicer which handled the modification has yet to send me a copy of the modification document with the proper signatures for the lender on it ( I have a copy with only my signature ), nor has it recorded this loan at the Register of Deeds for my county and, importantly, it has not yet recorded the satisfaction of the loan which this one replaced. 

The servicer is Nationstar. 

I first asked for a modification, in writing, in early XX/XX/XXXX. I was current on payments and my credit score was excellent. I was then asked to submit repeated applications for HAMP, the process for each application being extended by their requests for an additional piece of information every week or two - until two to three months elapsed - and then being told that the initial application was " out-of-date '' and I would have to submit a new one. This occurred about 12 times over a 30 month period. 

Eventually, I sent a XXXX letter to the CEO and several months later recieved the offer of a modification - with mathematical and other errors in it. After I did the math for them, they sent new paperwork, I signed and returned it XX/XX/XXXX, and was notified of the new state of my account and began to make payments. 

I believe it is my legal right to have a copy of the loan with this modification, to have the modified loan recorded legally, and to have the document with the previous loan terms be recorded as satisfied or whatever would communicate publicly that it is no longer valid, and to have these matters accomplished in a timely manner without further harming my credit rating. Almost 10 months have passed with none of those being done, even though I have asked repeatedly for them to do so. 

Nationstar has also blocked me from using my online account for payments because I am pursuing a remedy in the courts for the violations of my rights and damages done to my credit rating. I believe that blocking is a violation of my rights as well. 

Note : the question below - which part of the mortgage process is my issue related to? - does not have an option that exactly fits my situation. I chose " signing the agreement '' because I have not received a copy with their signatures on it, even though I have been making payments and have statements reflecting the modified amounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I review my credit report I still see the erroneous items in my report which I have already disputed last XX/XX/XXXX. Since no changes have been made I am disputing the items again please deleted them immediately. This complaint is my follow-up prior to my previous complaint 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Navy Federal Credit Union is monitoring my credit in a fraudulent manner. On XX/XX/XXXX I received an alert of a new tradeline open and reported which is part of the 78 point reduction that has nothing to do with inquiry made on XX/XX/XXXX. 

XXXX systems is built against the consumer not for the consumer to prevent fraud by those that work within financial institutions doing business in Maryland. XXXX rejects any rebuttals and/or reinvestigation of erroneous remarks and updates on any old account with error. Navy Federal Credit Union neglected to investigate fraud claim I submitted over 6 years ago pertaining to a fraudulent deposit into my checking account. There has been no new accounts opened under my social security number with XXXX XXXX at any time within the last 3 years.
Product: Debt collection

On XX/XX/XXXX, I noticed that my phone had been automatically blocking calls from a phone number ( XXXX ). My phone automatically blocks calls that are identified as spams/scams ( I own a XXXX XXXX ). These calls were happening almost daily. I called the number back on XX/XX/XXXX and discovered it was for medical debt collection. It was for medical debt that I believed had been resolved with another debt collection agency back in XX/XX/XXXX ( and hadn't heard anything since then ). As I had not received a validation notice from this new debt collection agency, I asked for an itemized list of this debt, as well as written notice by mail. They claimed to have not had a current address. I provided them with a current address. 

On XX/XX/XXXX, I noticed that I had been receiving more calls from the same agency over the past week, so I called again. They verified that they had my correct address, and I told them that I had yet to receive a validation notice by mail. This is in violation of the 5 days notice after first contact required. There was also no update as to the nature of my debt ( having believed it was resolved with a previous agency last year ). They said they'd reach out to XXXX. 

I called a second time, in order to obtain their contact information as I have yet to receive anything by mail, now over a month since I provided a corrected address. 

Their information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : DEPT OF EDUCATION/XXXX  XXXX Balance : {$4400.00} DEPT OF EDUCATIONXXXX XXXX Balance : {$2800.00} DEPT OF EDUCATIONXXXX XXXX Balance : {$4800.00} DEPT OF EDUCATIONXXXX XXXX Balance : {$9300.00} XXXX XXXX XXXX  Balance : {$660.00} XXXX XXXX XXXXXXXX Balance : {$380.00} XXXX XXXX XXXX XXXXXXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX XXXXXXXX Balance : -
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting incorrectly a collection in the amount of {$370.00} on the XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) First, this account does not belong to me ; and Second, this line item is being reported twice. This is a violation of the Fair Credit Reporting Act. This false reporting of a collection that does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported on XX/XX/XXXX to EXPERIAN, that a student loan in the amount of {$31000.00} was paid off in XX/XX/XXXX. The debt was owned by XXXX XXXX XXXX XXXX ( XXXX ) I provided documentation to EXPERIAN that the debt was paid off. 
EXPERIAN reported that XXXX XXXX certified the debt as current. 
The document provided from XXXX XXXX clearly shows the account is at a zero balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple disputes in regarding misleading/inaccurate items on my report. I recently found out my information was compromised in the Equifax data breach. Now more than ever I feel my information has fallen into the wrong hands. After doing extensive research I saw it is illegal per FCRA Section 807 to report inaccurate items. Im reaching out to hopefully get a repose this time. It has been over 60 days with no response regarding this invalid items.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my XXXX credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. The INCORRECT Addresses that should be deleted are the following : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, IL XXXX and there is XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Debt collection

My insurance XXXX XXXX XXXX recently paid off my medical bills on a 3 way call with the creditors. They was informed by my insurance company that they wasnt supposed to bill me because I have Medicaid and we was told on the phone call it would be removed in 30 days after it was paid. I have disputed these claims multiple times and it either comes back accurate or verified. This is becoming a issue on my credit report I was never supposed to been billed in the first place.