23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Dear Navy Federal, Subject : Furnish 1099-C Account Number : XXXX Thank you for reading my request about this account with your company. I am writing today because during my quarterly review of my accounts listed on my credit report, I noticed that this account was charged off with XXXX, XXXX, XXXX. 

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}. 

Please also enclose a printed copy of my payment history or you may also email it to me at XXXX please do not send any marketing or other account information to this email address I have no desire to have spam at this location and I track everything by standard USPS mail at my home address listed above.

If for some reason this was an error, please send me the past due amount that will re-establish my account into good standing with your company and payment will be provided within 5 business days of the written confirmation. 

Thanks in advance XXXX XXXX
Product: Student loan

Dealing with Navient as my student loan servicing company has been very frustrated. I borrowed money to pay for some classes that I needed in order to complete certification requirements. I took few months off from studying and called Navient to see if I can postpone my payment because I was planning to return to my studies in less than two months. They suggested that I apply to forbearance and so I did. They granted me two months but failed to inform me that they will be reporting late payments to my credit bureau. This is inaccurate and should not be happening. My credit was drastically damaged from a score of XXXX to XXXX. I could not believe my eyes when I saw my credit score. I called Navient and no one was able to help me solve my concern.
Product: Mortgage

CIT BANK IS REPORTING NUMEROUS LATES ON THE MORTGAGE THAT THEY DID NOT SERVICE IN XXXX. INDIMAC THE ORIGINAL SERVICER OF THIS MORTGAGE NOTE HAD APPROVED THE MODIFICATION AND HAD DELETED ALL LATES FROM OUR REPORT AS THEY PROMISED BUT CIT IS REPORTING US BEING LATE FROM XXXX XXXX XXXX. THEY SENT A LETTER STATING THEY DID NOT RECEIVE A PAYMENT FOR THOSE MONTHS .... WHY WOULD WE PAY CIT WHEN OUR MORTGAGE HOLDER AND SERVICER WAS INDIMAC WHO DID RECEIVE PAYMENTS ( ATTACHED PROOF ) CIT DID NOT BUY THIS LOAN UNTIL THE END OF XXXX SO THEY SHOULD NOT BE REPORTING ANY PAYMENT HISTORY FOR THE LOAN THEY DID NOT HAVE IN FIRST PLACE.
Product: Checking or savings account

On XX/XX/2022 wells fargo made a payment on a court ordered, withdrawing almost {$1000.00} from my savings account. Wells Fargo did not verify nor confirmed the information before unlawfully withdrawing that large amount. To make it worse it was done a day before XXXX therefore canceling our family plans. The court order was not for either my husband or I, wells fargo was wrong by not verifying that they were taking it from the correct account. Wells Fargo had our money for 7 days trying to decode if a mistake was done. XXXX offered a small compensation, does not make up for our time lost with family during XXXX. Are we able go seek Compensation?
Product: Debt collection

On XXXX XXXX I received an alert that a new account had been added to my credit report. I immediately disputed with all XXXX credit agencies and sent out a debt validation letter to LVNV Funding. XXXX week later I receive a print out on their letter head ( unacceptable since this is not my debt ) XXXX deleted the account but XXXX and XXXX did n't budge. The last name on the account is XXXX ( not my name ) I never received a dunning letter, a phone call, a bill Nothing. Just a surprise account that was previously deleted because the collection agency before could not validate this bill. This has caused tremendous backlash on my credit report.
Product: Debt collection

I 'm being charged for a hospital visit. I never even received a bill from the hospital. Also I have Medicaid insurance and have had it for over 3 years. I do n't even have a copay my insurance pays for everything. They took a copy of my insurance card and drivers license at the hospital.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax failed to complete a reasonable re-investigation of my dispute before the end of the 30-day period beginning on XX/XX/XXXX, the date my dispute was filed with Equifax.

Equifax failed to comply with 15 U.S. Code 1681i ( a ) ( 2 ) ( A ) before the expiration of the 5-business-day period beginning XX/XX/XXXX, when they did not provide prompt notification of my dispute to XXXX XXXX XXXX XXXX, the furnisher of the disputed information. As a consequence of Equifax 's compliance failure to notify XXXX XXXX XXXX XXXX of my dispute, the information that I am disputing is still inaccurate, unverified, and can not be verified until Equifax reports my dispute to XXXX XXXX XXXX XXXX. Equifax failed to delete the inaccurate, unverified, and disputed information from the credit file before the end of the 30-day period beginning on XX/XX/XXXX, in accordance with 15 U.S. Code 1681i ( a ) ( 5 ) ( A ). Equifax 's failure to delete the disputed information from the credit file is in willful and negligent noncompliance with 15 U.S. Code 1681i ( a ) ( 5 ) ( A ). Equifax 's re-investigation of my dispute was unreasonable. Equifax persists in reporting inaccurate and unverified information for the XXXX XXXX XXXX XXXX   account. Additionally, Equifax, in willful noncompliance with 15 U.S. Code 1681i ( b ), is reporting an alleged Statement of Dispute for the XXXX XXXX XXXX XXXX account attributed to me. I did not file such Statement of Dispute with Equifax and did not authorize anyone to file such Statement of Dispute on my behalf.
Product: Mortgage

Are holding my funds unlawfully The house sustained pier damage from a boat. Homeowners insurance sent a check for {$25000.00} made out to me & Ditech. 

Related : Ditech - stealing Mailed endorsed check & required documentation on XX/XX/19, have since found that it is noted as being received on XX/XX/19. Was supposed to receive a check made out to me & contractor in within 3 - 4 days. It is now XX/XX/19 ( over 90 days since they received package ) and the claim is still being " processed ''. Meanwhile the contractor, has finished the work 2months ago. acting in good faith. 

Lots of inaccurate information & stonewalling from coming from Di Tech, they will not take my calls now. I wait on hold for over 2 hours to only go on hold again. I have talked to the Insurance Dept. and for the last 2 months they say the check is in the " mail ''. They lie about the date they received the checks ( 12 days after they received my package ) stating they hadn't received anything from me.
Product: Payday loan, title loan, or personal loan

I paid down my home equity line of credit to XXXX. Then i was charged a {$400.00} fee. I called the Bank of America customer support line 7 times and was unable to reach an associate 6 times. On the XX/XX/XXXX try I  reached XXXX in the XXXX call center, who is a HELOC specialist, and was told this was a lien against my account. I was also told that I would continue to be charged interest on this balance until XX/XX/XXXX even though I had n't borrowed any money. I was also told that even if my balance were XXXX I would continue to be charged interest because " that is the way variable rates work. '' I tried calling the branch ( at XXXX XXXX XXXX XXXX, XXXX, WA XXXX ) where I took out the home equity loan because that was not the way the HELOC was sold to me. I called 10 times and the phone rang with no one to pick it up. Finally I drove into the branch to talk to someone. While I was at the branch I called the phone line to see why no staff were picking up and witnessed bank staff ignoring the ringing phone. When I ultimately spoke to someone, I was told they would take care of things for me. The bank manager and a staff member named XXXX said they would call the following Monday and then call me back. Apparently that never happened. I have tried calling several times since then and ca n't reach anyone to understand what was done.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Checking or savings account

I requested a hardship withdrawal from my XXXX XXXX on XX/XX/XXXX, I received the check in the mail on Monday XX/XX/XXXX totaling over XXXX XXXXXXXX. I deposited the check into my account and it cleared on XX/XX/XXXX, on XX/XX/XXXX the check was returned due to insufficient funds. I contacted navy federal who told me the bank that issued the fidelity check ( XXXX XXXX ) did not have sufficient funds to cover the check. I called XXXX to get more information and they read 21 federal provisions from a script and told me I needed to figure it out with my bank. They refused to give me any information for hours until at XXXX pm they told me they were having technical difficulties. I still did not get a timeline for the release of my funds and my home purchase is now in serious risk. The banks involved ( XXXX, XXXX XXXX, and navy federal ) did nothing to help me to find out what happened to my deposit except for trying to cover it up and play the blame game with the other banks. I think this careless mismanagement of money is a danger to the consumer and they need to be held accountable. To this minute I still have no idea what has happened to my hard earned money nor a timeline for a resolution.
Product: Checking or savings account

I had fallen for a scam from someone claiming to work with my job and threatened if I didnt deposit the checks they would report me. I had recently had to resign from the job due to health issues. And they claimed I had a check waiting for me for the amount of money they owed me. I gave them my log in and turns out the checks are fictious. They demanded I have the money sent to them and then sent back to verify the funds were ready and there. They closed my account with Bank Of America and took my remaining money before the holidays. With nothing left. I would like to have the insufficient funds waived off or a payment plan. I can open a new bank account with a different branch and pay off the debt over time. I do not want this to prevent any other issues in the future for me. This was an honest mistake and a claim was filed but I was told I would get my money back right away and the charges would be removed when I realized what happened the same morning.
Product: Mortgage

Hello, I applied for a mortgage modification due to COVID-19 and was approved on the second attempt. The process has been long, but recently came to an end. I was fortunate enough to qualify and my mortgage has been modified. I noticed that the company charged interest owed to my principal balance. I would like a breakdown of the how the interest was accrued. I just see a charge of {$4100.00}. I made payments during the trial process and my most recent payment was held in a suspense status until I filed a complaint. I do not believe the interest was calculated properly resulting in a higher charge. I would like this to be investigated. I paid the trial and should get some credit for doing this. It seems very unfair and wish this was disclosed during the process. 

Thank you, XXXX XXXX XXXX
Product: Debt collection

The reporting of this alleged debt violates 15 usc 1692. I requested for this debt to be validated in writing after noticing that this alleged debt was being reported to the credit agencies. I never received a written notice of right to dispute from the creditor which violates 15 usc 809 ( a ). Then after requesting the alleged debt to be validated ( not the contract ) I never received notice of the validation after the investigation by the creditor which violates 15 usc 809 ( b ). Instead of validating the alleged debt the creditor continued to collect on this debt which violates 15 usc 809 ( b ). The fact that my request to validate an alleged debt was ignored by the creditor is a violation of 15 usc 809 ( b ). This violates 15 usc 1692j, 15 usc 1605, and 15 usc 1. The handling of this alleged debt violates the FCRA, FDCPA, and causes defamation of character. This account and all info related to this alleged debt should be removed as soon as possible for all credit reports before I report this case of fraud to the FTC and CFPB. This alleged debt can not be validated by anyone other than myself and this is not my debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I used a XXXX XXXX credit card to make a large purchase, and paid it off the following week, I got a message from XXXX XXXX saying my score went down, when i checking Trans Union lowered my score by 49 points, because i used the card?? it was not over my limit and it was paid back right away, why would this be allowed and for that many points is just crazy, and not fair to the consumer at all, seems this is a win win for the credit companies, but consumer lose all the way around and i called twice and both times while the agent was speaking with me the call was disconnected, poor customer service and no resolution as they dont even give you a chance to speak, they have a standard corp speech the hand out
Product: Credit card or prepaid card

On XX/XX/20 XXXX matched me based on the credit file updated XX/XX/20 for XXXX XXXX. I went to the American express website within XXXX minutes of that information from XXXX and check for prequalification for that card and was prequalified through American Express website. I immediately went to apply for the card and during the application process there were several glitchy type issues such as it would not allow me to enter my income information and when I went to process the application it said there was a denial, Which in the denial letter there was a bunch of? s all over the place so it looked almost like a glitch and some of the information at the bottom was not equating to the information on my most recent XXXX credit report that I just looked at XXXX something minutes prior. Then a minute later The website said their systems are currently updating and please check back in XXXX minutes so I really think something was wrong with the application process and I tried to explain to the people at American Express that I dont think the application was processed right I think there was a glitch but theyre refusing to do anything about it and all I want is the hard credit pull removed from my account because it was not appropriately processed and I feel like by them pre-approve and me and then denying me within XXXX minutes its deceptive financial practices and misleading. Please make them as a remedy remove the hard pull because that application was not processed properly in their system.
Product: Debt collection

I asked this company to verify my debt they have failed to do so Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to 15 USC Section 1681i, 15 USC 1681b ( a ) ( c ) 15 USC 1681 a2ai and 15 USC 1692 G of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 
Account Name : Diversified Adj SVC Account Number : XXXX Amount {$820.00} Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file. Please include 1. A copy of the original contract or original purchase agreement that created the alleged debt. it must include signatures for all parties. Any agreement sent must be with the original creditor and must include the original terms and conditions of the agreement that created the alleged debt, including all addendums and riders. 
2. Also include a full accounting history from the original creditor including the date and amount of each payment and the Date of First Delinquency leading to the collection status 3. In addition please send me proof of chain of ownership the alleged debt and included proof of assignment for of each change of ownership If any interest or fees have accrued or been added a the balance, please send proof that such fees are lawful ai. agreed upon in the original purchase agreement. 
4. Proof that you are legally allowed to collect on alleged debts in the state of Louisiana, including your Third-Part Debt Collection Bond 5. Also send proof that you sent the legally required notices to me before reporting this alleged debt to any consumer reporting agencies, including copies of the original notice and any letter tracking your firm maintains. FTC XXXX XXXX XXXX XXXX makes clear that it " debt parking '' without proper notices is a violation of consumers rights. 
Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report.

Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. 
Sincerely, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX The foregoing instrument was acknowledged before me on XX/XX/XXXX by XXXX XXXX. 


XXXX My commission expires : XX/XX/XXXX Notarized remotely online using communication technology via Proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and while applying for a remote at home position a back ground check was ran. On the report in XXXX it stated I had 2 XXXX  that had a disposition in XXXX it is now XXXX and on my rights the law states that the information can not be dated back more than 7 years yet they have included it in my report which will inevitably call for termination l. I messaged the company and didnt recieve a reply and I dont know what else I can do
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX has violated my rights Treasury Department XXXX account # XXXX XXXX XXXX XXXX  account # XXXX Inquiries : XXXX Via XXXX Requested XX/XX/2022 XXXX U.S.C 1681 section 602 States I have a 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 report more than 7 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the fair credit reporting act, this credit has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy 15 USC section 604 a section 2 a consumer reporting agency can not furnish an account without my written instruction under 15 USCS 1666b a credit may not treat a payment on a credit card account under an open end consumer plan as late payment for any purpose.
Product: Debt collection

Received a notice of debt collection by a company named ARA Inc in the amount of {$2800.00} owed to XXXX XXXX XXXX. I contacted XXXX XXXX XXXX to confirm I owe no debt and they verified I had no such debt or account with the bank. This is a phantom debt claim. Non existent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify this account, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX  XXXX Balance : {$11000.00}
Product: Credit card

A couple years after I noticed a credit card on my credit report that I never signed for. In the last 3 months I 've disputed this account multiple times and can provide certified copies if needed and nothing has happened. I just keep getting " verified new information below ''. I found your site from a friend that had similar experiences with the credit bureaus. I want this item off of my credit reports immediately. They are seriously affecting my credit score.
Product: Credit reporting or other personal consumer reports

MY NAME IS XXXX XXXX XXXX I AM SUBMITTING THIS COMPLANIT ON THE BEHALF OF MYSELF, THERE IS NO OTHER COMPANYDISPUTING ON MY BEHALF. PLEASE DO NOT SEND ME AN AUTOMATED RESPOSNSE! ALL DOCUMENTS WILL BE INCLUDED FOR THIS DISPUTE I did not give expressed written consent to or authorize any third-party consumer reporting agency to furnish data on the following accounts and I have the right to privacy, please be reminded, no consent is identity theft : XXXX XXXX XXXX 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 Please promptly remove this data within XXXX business days pursuant to 15 USC 1681-C-2to avoid any further legal proceedings. Things you for your timely compliance!