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

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification. 
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

This account with THD/CBNA is closed and charged off as a bad debt. Balance {$730.00}.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit union regarding multiple overdraft fees i have incurred. Despite having sufficient funds when transactions were authorizing, i was charged fees due to lagged posting of charges and credits. The issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is consistently dropping my score and incorrectly reporting the wrong credit score. 

Whether it's a coding error or what have you, it is causing me to be denied on applications to move into a new residence. I don't have any past due or any bills with debt. My bills are paid and my score is consistently dropping instead of increasing. I've disputed many times and after disputing my score gets dropped by XXXX points for no reason. Just this week I was sent several messages saying great job, keep up the great work, yet at the same time my score was decreased by XXXX points for no reason. 

XXXX is also inconsistent with XXXX and Experian. 
All 3 credit bureaus are inconsistent with each other, how can this be?

Please help!
Product: Debt collection

Original doctors office has no record of me being in the office ever. Office can not provide proof that I was there. They have another woman with the same birthday, that received the same treatments they say that I received. We believe that there was a mixup somehow.
Product: Credit card or prepaid card

Someone got a credit card in my name and used it!
Product: Debt collection

still after years of recorded payment with former employee, my wages were garnished in the amount of @ XXXX XXXX dollars collected/represented by an attorney who I believe did not report my garnish wages.
Product: Credit reporting or other personal consumer reports

Dear Credit Reporting Agency, I recently discovered that I am a victim of identity theft. So I have written to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity due to these fraudlent accounts on my report. I have contacted experian and they do not seem to have the urgency to fix this situation as fast as they have reported it to me. 

I ask that you help me make them comply with the Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the Identity Theft Report List Of Fraudulent Accounts. I am also requesting to be mailed a new credit report to my address of record above. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly XXXX XXXX XXXXXXXX XXXX XXXX CT XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2022 XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Source XXXX XXXX Account Number XXXX, has violated my rights. 
Per 15 U.S.C Section 602A, states I have the right to privacy.

Per 15 U.S.C Section 1681 Section 604A Section 2, states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account Number XXXX - Account Number XXXX, has violated my rights. 
Per 15 U.S.C Section 602A, states I have the right to privacy.

Per 15 U.S.C Section 1681 Section 604A Section 2, states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX-XXXX  Account Number XXXX XXXX U.S.C Section 602A , states I have the right to privacy.

15 U.S.C Section 1681 Section 604A Section XXXX, states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

Wells Fargo Bank offers XXXX as one of their services offered. Ive been a customer for over 20 Years. Over the past several years, I have received funds into my checking account from a third party via XXXX. Over the past several days, I have been UNSUCESSFULL in sending a paltry sum of {$100.00} to my niece, who also has an account at Wells Fargo Bank. I keep getting an error message that the monies can not be sent. I have phoned numerous times to Wells customer service reps, ALL OF WHOM ARE WORTHLESS AND GAVE VARIOUS REASONS. Today, XX/XX/year>, I spoke to XXXX, a Supervisor in the Escalations Dept of Wells, located in XXXX XXXX She also proved to be worthless. Her response was that there was an error, but could not tell me who, what, where, or when. This was from their IT Dept, AND COULD NOT TELL ME WHEN THE ISSUE WOULD BE CORRECTED. This was my only attempts to send funds via XXXX. I keep well in excess of {$100.00}. in my checking account on a daily basis. 
ALL THAT I WANT TO DO IS SEND {$100.00}. VIA XXXX AND KNOW WHEN THIS ALLEGED ISSUE WILL BE CORRECTED.
Product: Credit reporting or other personal consumer reports

Three collection accounts in the name of XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, was added to all three of my credit reports. These account are not mine. I was not living in XXXX at the time these three accounts were opened, I was living in XXXX. I have attached multiple proof of my residency in XXXX showing the dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX are reporting incorrectly a collection in the amount of {$24000.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This amount reporting is completely fraudulent. I had ( 2 ) months left on my lease with XXXX XXXX XXXX and they agreed to have me work doing construction on the property however, they never followed through with the job and now XXXX XXXX XXXX is saying I owe over {$24000.00} for damages that I allegedly had done when I took it upon myself to weed my yard and put down a couple of pieces of sod. This inaccurate reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. This is a completely unsubstantiated claim. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Debt collection

Company has continued to harass me despite my attempts over the years to resolve. This debt was paid when I refinanced and evidence was provided 2 years after the debt was paid. We have since moved and discarded many those documents from 2016. I no longer have access to the escrow company to provide evidence. At this point we have issued XXXX cease and desist letters as I know longer wish to go around and around - this harassment has been continued for many years. When I call to ask them to stop they refuse to listen or provide go back into their records and only tell that they have received this account from another debt collector and I need to re-send. 

I no longer wish to communicate with them and we are now past the statute of limitations.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account was ordered out of my name and not my responsibility and they refuse to remove and is damaging my credit and making me unable to make purchases. It is not my account it is fraud and court ordered.
Product: Mortgage

In the CFPB complaint XXXX, the company did not respond to the issues addressed in that complaint regarding illegal XXXX of federal XXXX income prohibited under 42 U.S.C. 4507 ( a ) and are still illegally garnishing federally XXXX and exempt income, no of that was addressed in the companys response and what the complaint XXXX was directly pertaining to
Product: Credit card or prepaid card

I was a few days late with credit card payment due to an over site, credit card company notified me and I immediately made the payment triple of what to be made. I have a perfect payment history always paying early and much more than required. I was notified by XXXX XXXX that XXXX lowered my credit limit because of this over site do to illness in the family possibly XXXX or XXXX. This is absolutely ridiculous due to perfect payment history with this company. Upon notice of this credit limit change I paid credit card in full. This type of nonsense is intolerable and disrupts peoples credit. I called XXXX XXXX and was told that XXXX makes these decisions. This has got to stop, it is hurting too many people during this pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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. 

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: Credit reporting, credit repair services, or other personal consumer reports

I was given a private institutional loan from XXXX XXXX  called a XXXX XXXX loan in the XXXX  of XXXX XX/XX/XXXX. The amount was {$10000.00}. I filed for bankruptcy and it was XXXX on XX/XX/XXXX. This debt was included in the discharge. It is not a federally backed student loan. They continue to report this debt to the credit bureaus. I am attempting to buy a house and use a down payment assistance program. The account continues to show in collections and they will not remove it. I have contacted XXXX and the collection agency they sold the debt to, XXXX. This is the response that I get from XXXX The consensus that Ive found concerning your loan is that it is not dischargeable. It is covered under 11 US Code, section 523 ( a ) ( 8 ) ( B ). So, I will not be able to write a letter to your bank about any change in the loans status. If you have any questions, please let me know.
Product: Credit card or prepaid card

I opened a credit card with Discover bank in XXXX. Up until late XXXX, I was a great customer and never late on my payments. In late XXXX, I became XXXX and endured a very complicated XXXX. During that time up until late fall of XXXX, I was unable work and I did not have any income. This resulted in my becoming delinquent on my payments. I regained employment in XXXX, and in XXXX XXXX I spoke with Discover and settled the balance owed. The terms of the settlement included that I would pay 1 lump sum payment and Discover would update the account to the status as paid in full or delete the account from my credit in its entirety. I specifically requested for the account to not have the coding of settled and that all negative reporting be deleted, so that my credit can be restored at maximum opportunity. I have been going back and forth with Discover for 2months and I have not received any responses. Additionally, the account still reflects a charge off balance and shows settled. This is not what we agreed upon. I feel as if Discover has taken advantage of me. I paid what they asked for me to pay and they completely disregarded the agreement that we had in terms of settling the account. 
I want this account either deleted or update as paid in full with all negative reporting removed. Also, I want those phone conversations reviewed, because I am most certain that they agreed to the terms that I have stated. I have also attached proof of where my account is still referencing charge off and settled.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year> Mariner Finance XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Phone : ( XXXX ) XXXX Subject : Formal Request for 1099-C Form for Account # XXXX To Whom It May Concern, I am writing to formally request the issuance of a 1099-C ( Cancellation of Debt ) form for XXXX XXXX regarding account number XXXX XXXX This request is made pursuant to my rights under federal law, specifically **15 U.S. Code 1681s-2** and **15 U.S. Code 1692g**, which govern the responsibilities of creditors and debt collectors to provide accurate and timely information to consumers.

As you are aware, the Internal Revenue Service ( IRS ) requires creditors to issue a 1099-C form when a debt of {$600.00} or more is canceled, forgiven, or discharged. Failure to comply with this requirement constitutes a violation of federal law and may result in penalties.

I have made multiple attempts to resolve this matter amicably, but my requests have been ignored or inadequately addressed. This is unacceptable, and I must insist that you provide the 1099-C form for the referenced account immediately.

Please consider this letter a final notice before I escalate this matter. If I do not receive the requested 1099-C form within **30 days** of this letter, I will have no choice but to pursue all available legal remedies, including filing a complaint with the IRS, and pursuing civil action for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

I expect your prompt attention to this matter. You may send the 1099-C form to the following address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  account # XXXX  XXXX has violated my rights. 

15 USC 1681 Section 602 States that I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

The agreement was an auto finance loan for a 2009 XXXX XXXX, under the terms and condition of no credit check no credit involved leasing agreement of {$300.00} every two weeks payment installments. I have proof of my payments on the vehicle. Unfortunately the vehicle suffered from a car accident and did not recover also the insurance did not cover the total expenses. The car was totaled & the lessor of the car ( XXXX XXXX ) is upset and is now attempting to collect a debt on my credit. Breaching the contract that we agreed upon there is nothing in the contract about unfortunate and unintentional car accidents but there was an agreement to have no involvement with my credit. I asked for a copy of the contract they would not present one to me I understand that they're upset but it's not my fault that the car insurance would not cover the total damage of the car. I'm willing to make payment installments but i refuse to continue to be a part of this impasse.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 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 The following inquiries are unauthorized : 1. XXXX on XX/XX/XXXX 2. XXXX on XX/XX/XXXX 3. XXXX XXXX on XX/XX/XXXX 4. XXXX XXXX XXXX on XX/XX/XXXX 5. XXXX on XX/XX/XXXX 6. XXXX XXXX on XX/XX/XXXX. I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.
Product: Credit reporting or other personal consumer reports

I obtained my credit reports and found fraudulent hard inquiries on them and I need them removed immediately.
Product: Checking or savings account

Commencing on or about XXXX XXXX, 2020, I fell victim to a multilayered scam operation orchestrated by various brands such as XXXX XXXX XXXX ( collectively : the Companies  ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. 

Money was transferred from my account via wire transfer and debit card, and through an intermediary named XXXX and XXXX XXXX in the total amount of XXXX USD
Product: Checking or savings account

On XX/XX/year> I was charged a debitreverse provisional credit for {$130.00} thos has to be a error or something i won my case and they took this out of my checking account this was after I settled with XXXX XXXX XXXX for the wireless service this is not right the TD Bank is stealing from me on XX/XX/year> I was given credit for {$130.00} and now they took it back out this is not right
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I recognized that my credit was being used and there was unauthorized hard inquiries on my credit report from someone attempting to obtain credit in my name. I have filed a police report, and sent a formal letter to all three credit bureaus stating that I was victim of identity theft and fraud. I also placed a fraud alert on my credit. 

XXXX  was able to remove all of the inquiries, however, when I contacted XXXX  and XXXX  on XX/XX/2021 they refused to remove the unauthorized hard inquiries even though I mailed in a dispute letter with a police report attached. 

I am very furious because these fraudulent inquiries have hurt my credit and I am now not able to even apply for anything myself because the inquiries dropped by score 50 points.

There are 7 inquiries on XXXX  and 5 on XXXX that I need removed immediately. The companies involved are XXXX XXXX, Capital One, XXXX XXXX, XXXX, and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified by my credit repair lawyers that I had activities on my credit report that I did not recognize. First a car repossession, Medical bills I did not recognize, and a credit card or loan. The only time I was in a hospital was in 2017 after my car accident and for an XXXX. I was hospitalized with an XXXX for a week. I was notified on Monday about these changes and couldnt fathom how my credit was tampered with while I was in the middle of credit recovery and boosting up.
Product: Credit reporting or other personal consumer reports

I previously disputed this account stating : " This account is incorrectly reporting that I hav late payments. On my XXXX report there are XXXX late payments being reported. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account.