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

Subject : Dispute Regarding XXXXXXXX XXXX XXXX  ( # XXXX ) To Whom It May Concern, I am writing to dispute the information being reported on my credit file regarding the XXXXXXXX XXXX XXXX  account ( # XXXX ). The account is reported as a charge-off, yet there is still a balance being reported, which I believe to be inaccurate and in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and applicable state laws. 

Issue at Hand : 1. Request for 1099-C : I have previously contacted XXXXXXXX XXXX XXXX requesting a copy of Form 1099-C, which they are legally obligated to issue if the account has been charged off and the debt is considered canceled for tax purposes. To clarify, my request was not for verification of the account but for documentation proving the issuance of a 1099-C. Failure to provide this documentation raises serious questions about the accuracy and legitimacy of the reported balance.

2. Reporting of a Balance Post-Charge-Off : Under the FCRA ( 15 U.S.C. 1681 et seq. ), creditors and furnishers of information must ensure the accuracy and completeness of the information they report to credit bureaus. Once an account is charged off and the creditor cancels the debt, the balance should no longer be reported as owed by the consumer. Reporting a balance after charging off the account constitutes a misleading practice and damages the accuracy of my credit report. 

Additionally, state laws may impose similar or stricter requirements on creditors to ensure the accuracy and fairness of their reporting practices. By continuing to report a balance without evidence of a 1099-C, XXXX XXXX XXXXXXXX may also be in violation of such laws.

Requested Action : I respectfully request the following : 1. Immediate investigation into the accuracy of the information reported for this account.

2. Removal or correction of the account to reflect a {$0.00} balance if it has indeed been charged off and/or canceled.

3. Provision of proof that Form 1099-C was issued to the IRS and me, as required by federal tax regulations.

Please consider this letter as my formal dispute under the FCRA. I request that the results of your investigation, along with any supporting documentation used in the verification process, be provided to me in writing within the time frame specified by law. 

Failure to comply with the requirements of the FCRA and applicable state laws could result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

TRANSUNION is violating my consumer rights by not furnishing my consumer report in accordance with my written instructions. My rights under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) ( 2 ) supports my written instructions for TRANSUNION to remove any accounts from my report, at my demand, as a requirement by law, to fulfill their lawful obligation, as it pertains to furnishing my report in accordance with my written instructions. 

Ive requested several times that they promptly remove accounts from my consumer credit report and update my report to no longer show any history of these accounts. After numerous attempts ( several hours ) to let them know that they were in violation of my rights and not fulfilling their lawful obligations, employees one after another, including supervisors, told me they were not going to remove the accounts from my report and they would continue to furnish my report against my written instructions which is a direct violation of 15 U.S. Code 1681b, Permissible purposes of consumer reports- ( a ) ( 2 ) and proceeded to hang up on me. 

THIS IS NOT A DISPUTE. THESE ARE WRITTEN INSTRUCTIONS. 

They have only sent mere statements saying things about a dispute and other nonsense that has not resulted in the removal of the accounts per my written instructions, which does not constitute fulfillment of my written instructions, which under law they must oblige. 

I DEMAND that they remove the following accounts immediately from my report and fulfill their lawful obligations : Account # XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Type : XXXX XXXX XXXX : Individual Date Opened : XX/XX/XXXX Status : Collection account. {$460.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Balance : {$460.00} Balance Updated : XX/XX/XXXX Original Balance : {$460.00} Terms : 1 Months On Record Until : XX/XX/XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Credit card Responsibility : Individual Date Opened : XX/XX/XXXX Status : Account charged off. {$620.00} written off. {$620.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Balance : {$620.00} Balance Updated : XX/XX/XXXX Credit Limit : {$400.00} Highest Balance : {$620.00} On Record Until : XX/XX/XXXX Account # XXXX Account Name : XXXX XXXX XXXX Terms Frequency : XXXX  Balance : $ 0 Months Reviewed : XXXX Activity Designator : TRANSFER_OR_SOLD Date of First Delinquency : XX/XX/XXXX Owner : Individual Account Type : OTHER Term Duration : XXXX Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Delinquency First Reported : XX/XX/XXXX Creditor Classification : UNKNOWN
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud 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. Please block/remove these items. 
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

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. We've talked to the bank & they've agreed to update the accounts. BUT TransUnion has some internal block which they're claiming they can use to not correct the account because they feel they're above the law. When questioned why they're not accepting the Dispute Letters they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Dispute Letters ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX Date Opened XXXXXXXX XXXX XXXX  Balance : {$1400.00}
Product: Credit card or prepaid card

I filed an unauthorized transaction on charge I didn't make with PayPal Credit/ Case ID : XXXX. The Response was " After reviewing your case, we found that this transaction was not unauthorized and hence couldn't be covered under PayPal Purchase Protection. '' Since this time the terms of my credit allow me to escalate the unauthorized charges, but the system doesn't work and no one answers the phone at PAYPAL.
Product: Checking or savings account

Suntrust is not following the rules regarding Regulation E and unauthorized transactions. I also know that they have not been properly reviewing my case because after I reported my claim and they denied it, they sent me a rebuttal letter along with a rebuttal denial letter on the same day. I circled the dates as well, I believe they do this on purpose to their customers who wouldn't know any better. I have proof that the letters were sent on the same day and the dates are also the same on the letters as well. I put in a claim with them on XX/XX/19 because I lost my bag, my debit card and id were in there so I called them and they made a claim for me. Two weeks later they denied my claim. I do not believe they did a proper evaluation of my situation. I was traveling in Texas when all of this occurred. I have counted a total of 60 Unauthorized transactions on my checking account which put my account into $ XXXX. My last transaction was on XX/XX/19 of {$12.00}. Everything after this transaction was unauthorized and im upset that Suntrust allowed this to happen to my account without taking any action or proper care towards my situation. Their investigator told me on the 10th day of the investigation that they'd have a decision that day and it made it seem like they were rushing just trying to get it done just so they could not help me with temporary credit because that was my only checking account and I had no money. My account was drained of exactly {$5200.00}. I look at my online banking and the first unauthorized transaction was on XX/XX/19 of - {$0.00} ATM BALANCE INQUIRY up until the last unauthorized transaction which was on XX/XX/19 of {$0.00} OVERDRAFT ITEM FEE NOT CHARGED. This doesn't even include the excessive fees that were charged that made it go into the negatives. I had {$5000.00} transferred to my checking account when I came to Texas to prepare for my vacation and I frantically reported the loss to Suntrust after I realized I didn't have my bag on me so I did report what happened as soon as I could.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, OH XXXX Phone : XXXX Email : XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Request for Removal of Fraudulent Accounts Due to Identity Theft PLEASE REMOVE ACCOUNTS FROM CREDIT REPORT IMMEDIATELY XXXX XXXX Account Number : XXXX Date of late payment : XX/XX/XXXX Account opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Last XXXX digit card XXXX Account XXXX, XX/XX/XXXX Account XXXX, XX/XX/XXXX Dear, Experian I am writing to formally dispute a late payment that has been inaccurately reported on my credit file due to identity theft. The late payment in question is associated with the account [ XXXX ] and occurred on [ XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX. 
I did not authorize the use of my personal information for this account, and I have taken steps to report this identity theft to the necessary authorities. Enclosed, you will find a copy of my police report, FTC Identity Theft Report, and any other documentation to support my claim of identity theft. 
Government -issued ID to verify my identity An Identity theft report filed with the Federal Trade Commission Proof of Residency Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate deletion of this fraudulent late payment from my credit report. This late payment has negatively impacted my credit, and I trust that your investigation will confirm that this was not a transaction I made or authorized. According to 15USC CODE 1681 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ). 15 U.S. Code 168Xe ) 15 U.S. Code 1681 ( 1 ) 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ) Please confirm in writing that this item has been removed from my credit report. Should you require any further information, feel free to contact me at the phone number or email provided above. 
Please remove immediately Thank you for your time and prompt attention to this matter. 

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

XXXX ( XXXX ) different companies, XXXX XXXX XXXX, EQUIANT FINANCIAL SERVICES AND XXXX XXXX XXXX  with same Account No. XXXX on the XXXX consumer reports have voilated my right, 15 U.S. Code 1692g failed to respond to request to validate the debt and provide proof of claim within 30 days of notification 15 U.S. Code 1681s2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

15 U.S. Code 1692k - Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; I have written to all three companies for debt validation but none has responded to me despite they were informed to cease and desist all collection reporting activities on my credit report. 
XXXX XXXX XXXX AND XXXX XXXX XXXX still reporting under XXXX different names on XXXX, XXXX and XXXX XXXX report. 

Despite this, XXXX XXXX XXXX, EQUIANT FINANCIAL SERVICES AND XXXX XXXX XXXX  are reporting incorrrect : Date Opened, Balance, High Credit, Last reported, Date Last Active and Payment History.
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 authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union 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: Payday loan, title loan, or personal loan

On XX/XX/2023, I applied for a loan extension with OneMain Financial. I filled out the application online and submitted all the necessary documents and IDs. 
It was too late in the day to get an approval so the gentleman asked me to call him on Monday. 

When I called I asked him about the loan and he stated that the loan was approved. 
He stated that he wanted to see if he could get me more money. 
So he said that he would call me back in an hour. 
I asked him again about whether the loan was approved and he said yes. 
When he called back he stated the initial loan request and the additional funds were declined after he told me the loan was approved
Product: Vehicle loan or lease

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. These agencies have failed to do so. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Mortgage

Ocwen Loan Servicing , LLC took over our mortgage, and life has been a nightmare ever since. Every few months, Ocwen raises our monthly fee. We do the best we can, working as many hours as we can, to pay the ever-increasing mortgage rate. One month, our bank ( XXXX -- another corrupt institution ) bounced our online payment after re-organizing payments, which XXXX does all the time, and which makes it impossible to know how much money you have. Since then, we have been a couple of weeks behind on Ocwen, considering that our mortgage is now more than {$1000.00} higher than it was a couple of years ago. In good faith, we have struggled to pay this rate, doing the best we can to stay current, despite having NO money left over to feed our kids sometimes, put gas in the car, or pay the electric bill ( all of that good stuff ). Despite repeated mailings and faxes to Ocwen, their Research Dept just doubles down, arguing that the rate is correct ( and then raises it more!! ). Either this is an evil conspiracy to steal the homes of hardworking Americans, or Ocwen is so inept that one department can not communicate with another. We expect it 's a bit of both. DO NOT do business with Ocwen ; we want to run away from Ocwen, but Ocwen has RUINED our credit and made our lives impossible. We have written to the Ocwen CEOs ; we will go public to the highest levels, if necessary, to expose these shady business practices.
Product: Money transfer, virtual currency, or money service

My pay pal account was hacked into but I got a new account money was took from my account Also a account was opened from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/scrub>XXXX XXXX XXXX Call from this number asking me to verify information involving a personal matter. Asked for Name, Address and Social Security number. They refused to verify who they were or what their personal matters entailed.

XXXX XXXX XXXX XXXX Call from this number asking me to verify information again while they refuse to verify who they are XXXX Called demanding I verify information. They did not identify themselves even after I asked who they were. Just that this was a private matter and they needed to verify my info. I refused XXXX XXXX Call from this number asking me to verify information while they refuse to verify who they are.

Caller hung up on me after I refused to verify any info I called back and spoke with a lady where I told them to cease and desist any calls and to put any issues in writing. Said she would remove my number. Refuse to verify who they were or what they were calling for.
Product: Checking or savings account

On the date of XX/XX/year>, I deposited a personal check into my checking account. The Bank then placed a hold on my funds. From the dates XX/XX/year> until present, I have been lied to about the nature of the hold. First, it was stated it was random. Second, it was stated it was believed to be fraudulent ; now, I have been placed on hold for XXXX minutes and left after being hung up on by a " supervisor ''. It was sent to the fraud department. The fraud department supervisor I spoke to was very disrespectful and unsupportive and lied about why the hold was placed. I would told them they could release the hold by a lower department representative, but the XXXX woman I talked to was unsupportive, disrespectful, uninformed, uneducated, and unprofessional. Even after the issuer of the check called, to verify the check, they still placed a hold. I can't access the funds that I need. This bank 's atmosphere is not customer-friendly, and its representative departments are not up to standard and I believe it is doing illegal banking practices.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX : I am writing to formally dispute inaccurate information reported on my credit report by XXXX XXXX. According to the Fair Credit Reporting Act ( FCRA ) Section 611, I am requesting an immediate investigation and correction of this collections account. If the information can not be verified, it must be deleted promptly. I am disputing the validity of this debt in its entirety. The collections account in question is reported by XXXX XXXX and appears on my credit report with the following details : reported on XX/XX/XXXX, with a balance of {$460.00}. The account is listed as " Closed '' with a status of " In Collections/Charge-off. '' The account was opened on XX/XX/XXXX, and closed on XX/XX/XXXX. The remarks include " Charged off as bad debt '' and " Canceled by credit grantor. '' I believe this information is inaccurate for several reasons. First, I have not received any documentation or validation of this debt from XXXX XXXXXXXX, as required by FCRA Section 809 ( b ) ( Validation of Debts ). According to the FCRA, all items on my credit report must be accurate and verifiable. Second, there is a discrepancy in the reported balance and credit limit. The balance of {$460.00} is shown as 156 % of my accounts limit, which is not accurate or reasonable. Additionally, the account shows a past-due amount of {$460.00}, which does not align with my records. The presence of this incorrect collections account and charge-off status is negatively impacting my creditworthiness. Under FCRA Section 623 ( a ) ( 1 ) ( A ), furnishers of information are required to report accurate information. Therefore, I am requesting that you review all recent statements and payment records associated with this collections account, including the most recent credit report. The balance, account status, and remarks appear to be incorrect. If the information can not be substantiated, it must be removed from my credit report immediately. Please send me the results of your investigation at your earliest convenience. Additionally, if the investigation shows that the account is incorrect, please provide me with a revised copy of my credit report reflecting the corrected information. Thank you for your prompt attention to this matter.