23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am filing a complaint against NAVY FCU because they are attempting to collect a debt that I do not owe them. Account Name : NAVY FCU, Account Number : XXXX, XXXX. 
I would like for NAVY FCU to show proof of verification that I owe them {$15000.00} with the account above. Last month I requested an investigation because I felt the item was not being reported legally. A couple of days ago I received a a letter stating that your investigation was complete.

1. What certified documents were reviewed to conclude your investigation?

2. Please provide me a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation, as required by FCRA : Please answer the following questions : a. Who did you speak with? 
b. What was the date? 
c. How long was the conversation? 
d. What was their position? 
e. What number did you call? 
f. What is the name of your employee that spoke directly to the creditor? 
g. What is the position of your employee that spoke to the creditor?
Product: Credit reporting or other personal consumer reports

I submitted an official police report from my local law enforcement agency, which detailed their investigation into my identity theft claim. The investigation was thorough, and they exhausted all leads before closing the case. I then provided this police report to the credit reporting agency. However, the credit reporting agency stated that the data furnishers had verified the accounts as mine, which contradicts the findings of the police report. The fraudulent accounts are listed below. 

XXXX XXXXXXXX XXXX XXXX, Acct # XXXX XXXX XXXX, Acct # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. This account must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX Balance : {$0.00}.
Product: Credit card or prepaid card

XXXX closed my account after being opened for 30 days or less. Stated that they sent a letter explaining the reason, which I haven received as yet. The problem is, this company has caused by credit score to decrease drastically and I'm currently in the house buying process.
Product: Credit reporting or other personal consumer reports

Subject : NOTICE OF DISPUTE Dear XXXXrite Financial I am writing to formally dispute the accuracy of the information reported on my credit file for the following account : Creditor Name : Brite Financial Current Status : Charge-Off / Derogatory Upon reviewing my credit report, I have identified several discrepancies related to this account that I believe are incorrect and require immediate investigation and correction. The specific issues are as follows : 1. Inaccurate Balance Reporting : The report states that I owe {$13000.00}, despite the account being marked as charged-off and closed on XX/XX/XXXX. If the account is charged off, it should not reflect an outstanding balance unless transferred to collections, in which case the reporting should reflect the new creditor. 
XXXX. Incorrect Payment History : The payment history shows that I have made 22 % of on-time payments, yet nearly all months are marked as late. Additionally, I made my last payment on XX/XX/XXXX, which is inconsistent with the account closure date of XX/XX/XXXX. 
XXXX. XXXXrm and Status Conflict : The loan was for 48 months, yet the account was closed in less than two years. If there was a repossession or charge-off, the remaining balance should have been adjusted accordingly.

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, I request that this information be investigated and verified. If the account can not be verified as accurate, I ask that it be corrected or removed from my credit report immediately. 

Please provide me with the results of your investigation, as well as any documentation used to verify this accounts accuracy. If this dispute is not resolved in a timely manner, I am prepared to escalate this matter with legal action if necessary. 

Thank you for your prompt attention to this matter. I look forward to your response within 30 days, as required by law. 

Sincerely, XXXX XXXX
Product: Checking or savings account

In XXXX of 2015 my father, XXXX XXXX XXXX, fell ill. I went to his bank to take out some money for his medical bills, my name was also on the account, only to discover the money was gone. {$250000.00}! Spoke to a bank officer and was told they had flagged the account as possible elderly abuse. I informed the police that there had been fraud committed. They investigated and the caretaker was convicted of this crime. The bank 's fraud department said there was nothing they would do about it. My father had developed XXXX and was taken advantage of. I know the banks have insurance to cover these things. I have attached the bank statements to verify this, also the health proxy to my sister XXXX XXXX to prove he was not in his right mind, also a copy of the front page of newspaper showing what had occured. I can only hope that you can help.
Product: Debt collection

The company portfolio recovery keeps harassing me through phone calls claiming I owe a debt which is over 6 years old. I do n't owe anything to this company and have no idea who the original debt came from, this company keeps threatening me and family memebers at my realtives door step, I had to change my phone number twice, they keep harassing me telling me through voicemail and mail that I will be sued and taken to jail for not paying a debt which I do not own.
Product: Debt collection

PLEASE READ THE ATTACHED DOCUMENTS FOR FURTHER DETAIL OF THE SITUATION. THIS IS A COMPLAINT OF THE VIOLATION OF MY RIGHTS AS A CONSUMER.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the XXXX filing this complaint not some company or not any other XXXX party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the XXXX XXXX  ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by XXXX XXXX XXXX XXXX to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a XXXX XXXX XXXX  punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the XXXX
Product: Mortgage

On XX/XX/XXXX I applied for a mortgage loan with PADDIO and it wasn't till XX/XX/XXXX that I received email saying I was denied as I was looking over my denial paper I seen that there was an order number or order date and under it report prepaid for you which one they give you a order number it's because they took my application to the Federal Reserve discount window and then the date shows the day they did it and report prepaid for means prepaying or paying in advance for goods or services also I had a loan number which they don't give you unless you get the loan when I tried to inform them that I know what these things they told me that I did not have a loan with them and at the beginning of the year I tried filling out for another mortgage and I think it was assistance but they end up going through Paddio which I did not know and they did the same thing denied me but had the loan number the order number and all that that was on XX/XX/XXXX I once again tried to contact them and let them know and the guy tried to tell me that the report prepaid for was that they paid for the credit report which on my credit report it shows that they did not and that the loan number is given to you when you fill out an application and it ain't I have all the paperwork and proved screenshots and everything thank you so much for your time have a good day
Product: Credit card or prepaid card

Synchrony charge credit card security fee without notify and approval. 
Refund has not been given.
Product: Debt collection

Dear Sir/Madam, I am writing to formally dispute inaccurate and misleading information being reported on my credit report. The inaccurate reporting is not only hindering my ability to obtain credit, but it is also negatively impacting my financial well-being and personal reputation. 

Enclosed with this letter are the details of the disputed account, along with my personal information to help verify my identity and expedite the resolution process. 

Under the provisions of Section 1681i of the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into the following item. I ask that you provide proof of the account, including a copy of the original contract bearing my signature. If you can not provide such proof, I request that you either update the record to show the account as " Paid in Full/As Agreed '' or remove the item from my credit report entirely. This matter is of great importance and has a direct impact on my daily life. 

The details of the item in dispute are as follows : Account Name : SYNCB/LOWES Account Number : XXXX This account is currently listed as a collection/charge-off on my credit report. However, I have not received a 1099-C form for this charged-off debt. I request that you either provide me with a 1099-C form to accurately reflect this as a charge-off for tax purposes, or immediately update my credit report to remove this item.

Pursuant to Section 1681i ( 6 ) ( A ) of the FCRA, please provide me with a description of the procedure used to determine the accuracy and completeness of the information within 15 days of the completion of your investigation. 

I appreciate your prompt attention to this matter. While these may seem like minor reporting errors, they have significant consequences for me, especially when it comes time to purchase a home, secure a vehicle, obtain a business loan, or even seek employment. I kindly request that you expedite this process. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Product: Debt collection

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX Subject : Dispute of False Debt on Credit Report Dear Sir/Madam, I am writing to formally dispute a debt that has been reported inaccurately on my credit report. I recently reviewed my credit report and found an entry that I believe is incorrect. The debt is listed under XXXX XXXX XXXX XXXX XXXX XXXX and reported as {$1200.00}, with an account number of XXXX. 

I have never had any dealings with XXXX XXXX XXXX XXXX XXXX XXXX, and I believe this account to be a mistake or potential fraud. I request that you investigate this matter and remove this incorrect entry from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I understand that you are required to investigate the disputed information and respond within 30 days. I ask that you please update my credit report to reflect the accurate information as soon as possible. 

Please confirm receipt of this letter and inform me of the status of your investigation. If you need any additional information or documentation, feel free to contact me. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

On XX/XX/XXXX the debt collector has added monies owed to the past due balance again. 

There have been no changes to the account since the last notice. 

The next months payment has not been assessed. 

The company is pocketing the difference every time they do this. 

This is a repeat problem, I am attaching the last three emails.
Product: Credit card

The bank has not decreased its balance APR despite the recent XXXX basis points ( XXXX or half a percentage point ) rate cut from the Federal Reserve, US Bank NA continues to maintain a usury, rent-seeking annualized interest rate ( APR ) for purchases ( as of XX/XX/year> ) of approximately 19.21 % and a cash advance APR of NA ( as of XX/XX/year> ) on past, current revolving and future balances on my personal XXXX XXXX XXXX XXXX XXXX XXXX credit card.
Product: Mortgage

My husband and i bought our home on XXXX XXXX. I became XXXX on XXXX XXXX, my husband continue to financially support our household and it was n't easy for him. In XXXX XXXX we contacted Flag Star to see how they can assist us with our mortgage, Flag Star asked me to stop paying my mortgage so I can qualify for a Deed in Lei ; they advised me to put my home up for Sale and there were no other options for my family to remain in the home. It was n't until XXXX XXXX when a realtor asked us if we had tried to modify, I had no idea we could do so and then I immediately called Flag Star and asked for the Modification Option and since XXXX XXXX I 've submitted complete packets to them for review. I have Never received one letter from them with an update, stating whether we 're approved or Denied. I call my single point of contact often and she 's hardly available but I do get to speak to someone else they always tell me that my single point of contact will return my call and I do NOT hear from her. I am in desperate need of an answer so I visited a HUD Approved counseling Agency they will assist in the process but are also interested ion knowing why Flag Star keeps asking for Documents and they are not sending updates on what they already have. Please Help!
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one reported, to XXXX  and XXXX, on XX/XX/2020, that my accoint was delinquent, but it wasn't, AND, I had just made a payment to them, on the same day. Plus, I had 5 more days until my payment was actually due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that you all are reporting this bankruptcy on my credit report that XXXX not aware of and it is inaccurate. Please notify me what is federal court and what is us bankruptcy court. I researched on XXXX and couldnt find either with my name attached. Please delete this erroneous bankruptcy off my credit report. 


I sent letter to XXXX and XXXX and received a stall letter stating that the letter came from someone I was working with.
Product: Mortgage

Wells Fargo does not release the lien on title and accuses the XXXX XXXXXXXX XXXX for not clearing the title. However, on title ( attached ) you will see that Wells Fargo is responsible for the error in recording the title properly. 

XXXXXXXX XXXX does not have record of the mortgage. However, XXXX referred me to XXXXXXXX XXXX as the loan servicer. Once again, XXXX XXXX ( attach ) now sent a letter stating they have no record of the mortgage. 

The federal regulations and guidelines specifically state that 3rd-party purchasers are entitled to the property free and clear of any liens on title. It has been more than 6 months since Wells Fargo, XXXX and XXXX have no solution in resolving this matter. I believe they are not compliant and maybe delaying the process due to not complying with federal regulations on XXXX 's. 

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

This is in response to complaint XXXX. XXXX XXXX failed to provide documentation presenting any liability I have with them. The alleged debt with XXXX  XXXX is inaccurate. I have not held a balance of {$980.00} with the original creditor, nor do I owe a balance to XXXX XXXX. Furthermore, XXXX XXXX failed to provide their license to collect debt in the state of Texas. I was not presented with the forward flow agreement which I have this right as a consumer. When a debt is sold, the consumer is to receive correspondence via mail, which was never the case. I also wish to emphasize that, even if this were my account, I have never received any correspondence, such as a 1099-C, which would allow me to audit the reported information. As per the IRS guidelines, I have the option to file Form 3949a for illegal tax violations, and I sincerely hope it does not come to that. Any liability that was held with XXXX  XXXX has since been satisfied. I will be moving forward with legal action if this account is not removed from my Experian report within 7 business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/17 Transunion added hard inquiry from XXXX XXXX  to my credit Report as though I was applying for a refinance. XXXXXXXX XXXX  had no such permission, and I did not ask to refinance my house. I did not even initiate the phone call and the only thing I was asked about was a " soft inquiry ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 i disputed a XXXX XXXX credit reporting for incorrect information. The XXXX account was removed from my credit report. On XXXX a new debt collecting company that purchased the XXXX account started reporting with even more incorrect information and showing as a new active account. I disputed the new account ( JEFFERSON CAPITAL SYSTEM ) with XXXX and the investigation came back as updated. JEFFERSON CAPITAL SYSTEM ( debt collector ) has incorrect information being reported as a new account as of XXXX. XXXX doesn't want to do the research to see the original XXXX account was removed for incorrect reporting data. XXXX sold the account to JEFFERSON CAPITAL SYSTEM and is now showing as a newly delinquent account. Thank you
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : 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 or other personal consumer reports

I have not authorized, nor recognized the following inquiries. These statements are shown from 3 different credit bureau. 
As an action Ive placed a fraud alert on my credit with XXXX until l get to the bottom of this matter. 

Equifax 8 unauthorized inquiries : XXXX  XXXX : XXXX Inquiries date : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The following are unauthorized mixed with unknown inquiries from lenders, banks, credit cards all without my knowledge. 

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 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
Product: Debt collection

To the Consumer Financial Protection Bureau ( CFPB ), I am writing to submit a formal complaint regarding a disputed account on my credit report, which is in blatant violation of the Fair Credit Reporting Act ( FCRA ). Despite paying off the account as part of a pay-to-delete agreement, the 3rd party collections agency has refused to remove it from my credit report with all three major credit bureaus ( XXXX, XXXX, and XXXX XXXX. 
Account Details : Account Name : XXXX Account Number : XXXX Original Creditor : XXXX XXXX cards Account Type : Credit Card This account was supposed to be deleted as part of the pay-to-delete agreement. However, when I recently checked my credit report, the account was still listed and came back verified, which is inaccurate. This is a clear violation of Section 611 ( a ) of the FCRA, which requires that credit reporting agencies conduct a reasonable investigation of disputed information. 
Furthermore, the credit reporting agencies ' failure to delete the account after receiving notice of the pay-to-delete agreement is a violation of Section 623 ( a ) ( 1 ) of the FCRA, which requires that credit reporting agencies maintain reasonable procedures to ensure that obsolete information is not included in a consumer 's credit report. 
I demand that the CFPB take immediate action to : 1. Remove this account from my credit report with all three major credit bureaus. 
2. Investigate this matter further to ensure compliance with the FCRA. 
3. Take enforcement action against the credit reporting agencies and the 3rd party collections agency for their violations of the FCRA. 
I expect a prompt response and resolution to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I used the BofA drive up ATM, back in XX/XX/XXXX. I had tried to pull out {$400.00} and the transaction was declined. I then attempted to pull out {$300.00} and again, the transaction was declined. 
I went home, and reviewed online to see why the transactions did not go through, and I see that the {$300.00} withdrawal had posted. 
I tried calling BofA branch, but they had closed for the day. When I finally was able to reach a representative from BofA, they said I needed to contest the transaction with my card company. 
I reached out to my card company ( XXXX ) to let them know I did not get money out of the ATM, and the transaction never happened. 

They then went to BofA, and BofA sent them a transaction report, that just read {$300.00} had been dispersed. So my card company charged me the money and said they couldn't do anything further. 
I reached out to the police department to see if I could file a report, but they said they couldn't help. 

I reached out to the XXXX, to see if they could help, and they have attempted to resolve this with no resolution. I have spoken to Three representatives at BofA, who said they would get this fixed and I can not reach anyone anymore. This has been over a year now. They have cameras. They are able to see no money was taken by me. It shouldn't be this difficult to get a simple wrong transaction corrected, in my opinion. 

The reps at BofA I spoke with are : XX/XX/XXXX I had a call from BofA with a XXXX XXXX XXXX XXXX x XXXX ) She never followed up or returned my calls. Then there was XXXX on XX/XX/XXXX and his extension at BofA is ( XXXX ) Lastly, XXXX XXXX on XX/XX/XXXX ( XXXX ) Again, no further communication with BofA.