23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

The company i

s Equifax Credit Bureau. Contacted twice. This is the only Credit Bureau reporting this as a negative in my credit. They indicate three negative items on my Credit Bureau report causing a reduced Credit Score. The item in question is : *You have not established a long revolving and/or open-ended account credit history. ( description -- you have not established a long revolving and/or open account credit history -- Your first revolving and/or open-ended account was opened 15 yrs, 10 months ago. ( in your case the age of your oldest revolving and/or open-ended account and /or average age of your revolving credit is relatively " low ''. 15 yrs, 10 months is relatively low? No other Credit Bureau has this listed on my credit bureau as a negative.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was involved in a data breach via XXXX, and XXXX. I filed the proper affidavits, police reports etc., and submitted this information to all three consumer reporting agencies, however they refused to remove the inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent, via certified mail, a letter to Capital One disputing inaccurate information on my credit report. In my letter I detailed the issue and provided proof of my credit report showing their mistake. 

My dispute with Capital One is as follows : I had an old credit card that was closed due to non-payment back in XX/XX/XXXX. This card shows on my credit report as a negative against my score. ( This is accurate ) I made an agreement with a Capital One rep to open a new card and allow me to pay off the balance of the closed account. In XX/XX/XXXX, I was given a new card and the balance of my old card had been transferred over. My new card has been paid on time ever since, no issues there. 

The problem exists in the reporting. My old card shows as a negative closed account with the months for nonpayment. ( Accurate ) My new card shows as if it was open since XXXX, when it was open in XX/XX/XXXX. ( They are reusing the date of the old card ) My new card also shows the old nonpayments on it. ( Has never been late or missed ) Capital One is reporting one negative account twice. They are double reporting the same months of one account in both the old card and the new card. 

Today, XXXX XXXX, XXXX, I received a generic Capital One letter dated XXXX XXXX, XXXX, stating that they are unable to change their reporting on a courtesy basis. ( This is not a courtesy. This is inaccurate ) The letter does not provide any explanation. 

I called Capital One and spoke to two reps and a supervisor. They all stated that they can not view any details on the case and that there is no one I can speak to because the dept that handles these claims is a back office.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, A fraudulent unauthorized hard inquiry from XXXX XXXX XXXX XXXX  was reported on my Transunion Credit report.
Product: Credit reporting or other personal consumer reports

I found some inaccurate information in my credit report after looking into it. By Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must authenticate these accounts. ( A ). It is unacceptable to regard these reporting accounts as unverified information if evidence can not be produced within the allotted time frame. 
XXXXXXXX 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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 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 ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$120.00} ; EXPERIAN XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Its been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am victim of identity theft! Please remove these accounts as soon as possible! 

Greetings, my name XXXX XXXX and I am reaching out to delete several items from my credit report. I am a victim of identity theft and did not authorize these items on my report. I reported the theft of my identity to the Federal Trade Commission and enclosed a copy of the affidavit. Please delete these items as soon as possible.
Product: Debt collection

ERC Address :  XXXX   XXXX   XXXX   XXXX , FL  XXXX  (  XXXX  )  XXXX  Account Number :  XXXX  Did not provide adequate verification for debt question. no documents were provided showing a contract or signature
Product: Checking or savings account

I am writing to file a complaint against Navy Fedeal Credit Union regarding mulitple overdraft fees i have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of changes and credits. This issuse aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settles with insufficient balances despite initally availabe funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Checking or savings account

So I had a account with NetSpend for years. I had a direct deposit that was set to hit my account on Wednesday. I notice that my direct deposit didn't hit. So I go to login to my NetSpend account and I notice that got a error message and it said to call customer service. I call customer service and they said my account is closed and said due to several risk factors their closing my account and that I can no longer be a customer with NetSpend. This throws my plans for the week out the window. I live paycheck to paycheck. I'm going to be late on my bills and I currently have a category 1 coming to Florida and have nothing in my house to sustain myself. On top of that they said that that it's going to take 6 business days to reject my direct deposit and my employer would receive it on XX/XX/XXXX. That's almost a full month without pay. I can not live like this and something needs to be done.
Product: Mortgage

Until approximately 2 years ago I believed that in XXXX of XXXX. I had purchased a manufactured home on a lot that would qualify for FHA financing. I was forced to stop making in payments in XXXX XXXX because of a job loss. After several years of trying to figure out why B o A refused to assist me with my very deeply underwater mortgage, I filed suit against Major Mortgage with B of A as successor in interest for appraisal fraud when I discovered that my house had been moved from where it had previously been lived in ( in violation of XXXX underwriting guidelines ) and that the appraisal was fraudulent. Several investigational activities were conducted and it was later discovered that the original title report was performed only on the lot and did not include the house. This issue was not part of my original suit. Additionally, I discovered that the State of Nevada performed an investigation in XXXX and determined that Trust # XXXX with XXXX XXXX, and XXXX and XXXX XXXX XXXX as beneficiaries did not own the house. They in fact never owned the house as claimed at the time of the alleged " sale '' to me. This issue caused the State of Nevada to have XXXX XXXX hire XXXX XXXX XXXX XXXX to find out who the actual owner of the house was at the time of sale in XXXX of XXXX. This was required so that the state of Nevada could complete the process of converting the property together with the home as real property. I was never notified of this investigation. 
On XXXX XXXX, XXXX the State of Nevada Department XXXX issued an Erasure Affidavit stating that " ... XXXX was not the owner '' as the house had been repossessed. '' It seams that a XXXX XXXX XXXX XXXX was still the owner of record with XXXX XXXX as lien holder. This remained the case until XXXX of XXXX when title to the double wide was finally transferred to me. This appears to be a clear violation of XXXX rule stating that the " ... sale of a property must be from the owner of record and that the transaction must not involve any sale or assignment of the sales contract. '' Bank of AmericaXXXX Foreclosure Services filed a Notice of Default on XXXX XXXX XXXX against a mortgage contract that does not exist due to the fraud committed by the seller and as per XXXX XXXX regarding the voiding of conveyances made to defraud prior or subsequent purchasers of real estate. The filing of the NOD as well as the fact that they are ignoring my Notice of Rescission ( based on the lack of legal conveyance of the title to the house at time of " sale '' -- you ca n't legally sell a house you do n't own ) dated XXXX XXXX, XXXX is a clear indication that B of A and XXXX have no regard for the law and hope to profit against the frauds committed against me. 
Mediation was conducted in XXXX, XXXX XXXX XXXX XXXX, XXXX. The local attorney contracted by XXXX XXXX ( foreclosure mill ) the day before showed up without a copy of the appraisal and without the authority to negotiate anything, but with an utter disregard for the facts regarding this case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Equifax on XXXX regarding accounts reporting on my report that the collection agency could not verify. Equifax responded with " verified '' so I sent another request on XXXX to describe method of verification. 
The account got removed in XXXX, was then REINSERTED as un UNVERIFIABLE collection in XXXX. 
Per the FCRA, a credit reporting agency must provide you with a notice of reinsertion within five business days from the date of reinsertion and must be reporting ACCURATE.

1 ) they did not notify me at all that this was being reinserted 2 ) This account has no creditor, no collection agency, and is incomplete and inaccurate. 
Ive enclosed the letters that I sent, as well as a copy of the Credit report showing the original account I disputed, a copy of the credit report showing it was reinserted as unverifiable.
Product: Debt collection

Im really worried that PORTFOLIO RECOVERY is reporting inaccurate information on my credit report. Pursuant to the Fair Debt Collection Practices Act 15 USC 1692, I XXXX XXXX XXXX, have the right to privacy. PORTFOLIO RECOVERY has committed infringement upon my consumers right to privacy. 

I, XXXX XXXX XXXX never granted consent to PORTFOLIO RECOVERY to contact me. PORTFOLIO RECOVERY has/ or purchased my private information without my consent. I never contracted with PORTFOLIO RECOVERY. 
PORTFOLIO RECOVERY is violating my rights. I understand that you must have procedures in place to respond to questions about credit reporting. 

Pursuant to the Fair Debt Collections Privacy Act ( 15 USC 1692 ( g ) and REGULATION F ( 12 CFR 1006.34 ( a ) ( b ) ( c ). I am invoking my right and demand PORTFOLIO RECOVERY to VALIDATE this alleged debt. 

PLEASE BE ADVISED THAT I AM REQUESTING VALIDATION, NOT VERIFICATION OF ALLEGED DEBT. 

If your office fails to respond to this validation request within 30 days, all references from this account must be deleted and completely removed from your credit file, and all consumer reports. 

At this time I also asked for PORTFOLIO RECOVERY to Cease and desist any and all communication with me pursuant to 15 USC 1692 ( c ) ( c ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out XX/XX/XXXX to XXXX, Transunion, and XXXX. However its been more than XXXX  days and the credit bureaus failed to send my investigation back. That is not making sense. 

According to the law 15 U.S. Code 1681i- Procedure in case of disputed accuracy. 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 deleted the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit card or prepaid card

I feel I am being XXXX against by Capital One due to my recent complaints with the CFPB by exercising in good faith my rights under the Consumer Credit Protection Act. I feel that Capital one has refused me a credit line increase when I qualify and abided by Capital One requirements for eligibility for a credit increase. I also feel that CFPB Case No : XXXX in which Capital One responded to my complaint, was full of misinformation and shows a pattern in which Capital One seems to deny its consumers a credit increase, even when the consumer qualifies
Product: Mortgage

The Servicer does not allowed an alternate option in repaying the amount owed. The company is forcing a foreclosure. Is there any HAFA ( Home Affordable Foreclosure Aletrnative ) available with this company?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$15000.00} XXXX XXXX XXXX {$1300.00}
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate. 

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

I have the following accounts on my credit report that are documented as charged offs : XXXX XXXX, XXXX XXXX, and XXXX I have contacted each of the companies directly on numerous occasions, dated back to XXXX with no resolution to date. The most recent contact was XX/XX/XXXX. Each year I have been trying to get a copy of my 1099c since all three companies have stated that each account has been charged off/written with refusal to send me the appropriate information. This information has impacted my credit report and has been misleading to lenders and creditors.

Listed below is a generic letter letter that I have submitted to all 3 creditors with no response : To Whom It May Concern, I am writing to formally dispute the current status of the above-referenced credit card account and to request the issuance of IRS Form 1099-C for the cancellation of debt associated with this account. This account was reported as charged off by XXXX XXXX XXXX XXXX, and I believe it qualifies for cancellation of debt reporting under the applicable Internal Revenue Code ( IRC ) and IRS regulations. Account Holder Name : XXXX XXXX XXXX Account Type : Individual Credit Card Date Opened : XXXX Charged-Off Amount : XXXX Credit Limit : XXXX  Balance as of XXXX : Past Due Amount : XXXX  Last Payment Date XXXX XXXX Original Charge-Off Amount : XXXX High Balance : XXXX Creditor Contact : XXXX XXXX XXXX XXXX As stipulated in 26 U.S. Code 6050P, a creditor must file Form 1099-C when a debt is canceled or forgiven in an amount greater than { {$600.00} }. The amount of the charge-off for this account exceeds { {$600.00} }, and it remains unpaid. Under these circumstances, I believe the cancellation of debt for this account should be reported to the IRS, and a 1099-C should be issued. Additionally, 26 U.S. Code 6050P ( b ) ( 1 ) clearly mandates that any debt canceled in excess of { {$600.00} } must be reported by the creditor. The cancellation of this debt qualifies under the relevant provisions of the IRC and IRS guidelines. I request that the Form 1099-C be issued for the XXXX tax year, and that it be sent to my address on record. I also reference IRS Publication 4681, which addresses the requirements for reporting canceled debts, including credit card charge-offs. The IRS requires creditors to file Form 1099-C in cases where the debt is charged off and exceeds the { {$600.00} } threshold. If there are any exemptions or reasons why this account would not qualify for reporting under the IRC, I request that you provide written documentation and supporting case law or IRS guidelines. I expect this matter to be resolved within 30 days from the date of this letter, and I request that the completed 1099-C form be sent to my address no later than XXXX in compliance with IRS filing deadlines. Thank you for your prompt attention to this matter. Please confirm the status of my request in writing. Sincerely, XXXX XXXX XXXX
Product: Debt collection

Carter and Jones Collection agency sent letter out to XXXX XXXX about a past medical bill from XXXX XXXX XXXX XXXX. The bill is from over 4 years ago and in another state which we previously lived. I called the hospital and they cant verify the bill. After that the collection agency somehow connected her bill ( my wife ) to my name. I then got a letter saying that bill was under my name. I did send in a disbute letter for both of us for that bill.
Product: Checking or savings account

checking account was used in error for my XXXX truck payment of {$540.00}. I saw the overdraft fee {$36.00}. I held line over 20 minutes spoke to a female associate and her manager XXXX on XX/XX/18 st XXXX. Neither helped. I als spoke to a manager named XXXX at the XXXX, Va location today at XXXX wS no help. 
They can see this is a secondary account & this has never happened before. I also called the Corperate office and spoke to XXXX awaiting a follow up. If this is the way B.B. & t treats its long term customers, Ill clear my balance ; close my account. Ill never recommend family or friends to come here & report this to the news and social media.
Product: Credit card

I settled a debt around XXXX / XXXX. I have recently understood that for some reason, the USAA banking department is not aware of what the settlement department has completed on my account, and they still wrongly consider my past account with them as outstanding etc. It is difficult to get it handled when I call in and I wait on hold and get passed around.
Product: Credit reporting or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION XXXX IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Product: Debt collection

i have no knowledge of this account and have not conducted any business with the creditor
Product: Money transfer, virtual currency, or money service

Money was took from my cashapp without permission they closed my account and I cant get into my cashapp anymore
Product: Credit reporting or other personal consumer reports

I submitted a complaint on XX/XX/year> via CFPB regarding an account being furnished on my credit report which lists your company as the original creditor. In my dispute, I stated that I had no recollection of having an account with XXXX XXXX XXXX and requested debt validation. I further stated that all correspondence should be sent via CFPB for legal proceedings and for the simple fact that I do not have a mailing address that I feel comfortable giving this company. The company responded to CFPB complaint XXXX ignoring my request stating that information will be sent directly to me. There is no possible way for me to receive ay correspondence from your company via mail. This is my last resort. If the requested information is not sent via CFPB within 7days, I will have no choice but to further seek my options in small court.
Product: Checking or savings account

On XX/XX/2020 Internal Revenue had put {$1200.00} into my bank account on XX/XX/XXXX American Express Bank close my account due to a transaction that I did not authorize the amount of that transaction is {$39.00} from nat score. On XX/XX/XXXX at XXXX XXXX. in the morning I contact the American Express and told them about the incident from there on I was put on the phone with representative who told me to wait until Friday and they will have a response to whether my account would be unlocked or will will be remain locked it is now XX/XX/2020 and every time I call them I get the same response to give them one to two business days it's going to be almost 2 weeks and still my funds are in the bank and they would not release them to me. I have read online where this have recently happened to someone in California will they shut down her bank account the day after her taxes was put into her bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with equifax about an account on my credit report that has already been paid off but they keep reporting it late even though it isnt late everyone has struggled with covid 19 pandemic on harsh unpredictable times .... please stop making consumers suffer for something that isnt there fault it is unfair and unjust!
Product: Checking or savings account

I am not able to connect my PNC BANK account with the XXXX XXXX account due to PNC PREVENTING the connection
Product: Debt collection

XXXX XXXX  account number XXXX Is being reported on my XXXX  and Transunion credit report ; This account does not belong to me. I have made every attempt to notify the company and ask for its removal. The company has yet to do so. I need this account removed immediately.