23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan

I took out a total amount of {$700.00} from this payday lender. To date I have paid them back {$990.00} in interest only. 
XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX On XXXX XXXX, 2016, I placed this account in the hands of XXXX XXXX XXXX and let My Pay Day Loan know that they would be contacted by XXXX XXXX to make arrangements with them to set up a payment plan to take care of the outstanding balance. I provided them with all the information they needed for this process. 

They responded stating they do not work with 3rd parties that that I would need to pay them directly. they continued to charge my bank account which was already overdrawn and they have been denied on XXXX pay dates causing me to incur another {$100.00} in fees on top of what I have to pay the bank back. 

The bank tried on two ocassions to place a stop payment in place but this payday company uses different methods and company id 's to obtain their payments so it has been to no avail. I told them again that they would need to contact XXXX XXXX XXXX and work with them. 

Again they responded and stated that they would not work with them. I gave their information to XXXX XXXX at XXXX and asked that he call XXXX and see if he could get them to set up arrangements. This is in process. 

I ca n't pay my bank back if they continue to attempt these payments. 

In addition, they call me consistently at work, leave no message, and on my personal cell phone, leaving no message if I do not answer.
Product: Debt collection

On XX/XX/XXXX I informed the Army Air Force Exchange Services that I was a victim of identity theft and a Military Star card was taken out in my name. They refused to take action. I demanded the account be closed. 
On XXXX XX/XX/XXXX as requested I notified AAFES fraud department via email. I then called AAFES to confirm receipt, but again the representative refused to contact the fraud department to confirm receipt. After my insistence the representative contacted the fraud department and confirmed receipt. 
Subsequently, they sent multiple emails, and bills trying to collect the debt. 
In XXXX they sent me a credit card for the account I did not open. 
In the first week of XXXX they notified two members of Congress and myself that the account is closed, they would zero the balance, and would remove the account from my credit report. 
However, on XXXX XX/XX/2020 they sent another email indicating I still owed them money. Thus, the lied to Congress and myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$48000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  Balance : {$8400.00} XXXX XXXX XXXX XXXX XXXX Balance : {$7100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a letter which was a notice of unpaid electronic fund transfer. The letter did not state who this debt was owed to. They indicated the amount due was {$270.00} with a late check fee of XXXX bringing the total to XXXX This company has paid {$3.00} XXXX dollars in the past for fraudulent activities.
Product: Credit card

I received an email notification from JP Morgan, Chase, indicating that I had signed up for paperless statements for my newly opened credit card. However, I did not just open a credit card and became suspicious of fraudulent activity. In addition, I also received a notification from XXXX identity monitoring through my XXXX XXXX XXXX XXXX premium checking benefit. I contacted Chase to inquire about the issue. They verified that a new credit card had in fact been opened yesterday on XX/XX/2023 in my name. I told them that I did not open that line of credit. They asked me if I considered it fraud. I said yes. They asked me if I wish to have the account closed which I did. However, they would not share any other information with me regarding how or who mightve open this line of credit without my consent. They also instructed me to contact the three credit bureaus to have a fraud alert placed on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached a copy of the Consumer Financial Protection Bureau order of 2015 pertaining to the collection process on medical debts. This federal agency has levied millions in penalties against several medical collection agencies for abusive collection practices since the 2015 mandate that consumers must be granted 180 days-notice that any or all medical debts can not be posted against a consumers credit report. What this entails is that I as an American consumer needs time to either settle a medical collection before said collection gets posted on my credit report, or that my medical insurance carrier had enough time to resolve the collection either in full or by any sustained factoring agreement in place with the medical servicer, be it a physician, clinic, ambulance service or hospital. That has not been the case in the attached medical collection ( s ) posted on XXXX, Equifax and XXXX XXXX respectfully. Since the 2015 agreement between the Consumer Financial Protection Bureau and all three credit reporting agencies, medical collection agencies have violated this agreement in its entirety. Having established that there is a specified procedure in place on medical collection postings on a consumers credit, it is a fact that most if not all medical collectors are in violation of their subscriber agreement with the major credit reporting agencies. Since my rights have already been violated by the collection agency stated in this complaint, the collection should be VOID completely. I am not disputing any factual conclusion if I was even given medical attention, just stating that my personal credit history has been damaged by an unlawful collection practice. I should be entitled to damages for the overall cost involved with what would otherwise be a perfect credit history. Accordingly, I respectfully request for the disputed medical collection ( s ) to be deleted permanently, and if this particular collection agencies needs a remedy for collection, it has abused the credit reporting system by violating my rights. In my opinion the only recourse at this time would be moving forward through other collection processes outside of the Fair Credit Reporting Act. The disputed collection must be deleted permanently, and the Consumer Financial Protection Bureau must sanction and fine the agency for its abusive actions. The credit reporting agencies should also terminate the subscriber agreement if place. My dispute is based on material facts and current policies on medical collections. The attached disputed collection ( s ) should be deleted permanently without any right to reinsert from this point forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax says they reinvestigated items on my report. They provided no information from the investigation. The law states for verification all original signed documents, original contracts with the official signature of the consumer must be provided also the original creditor information must be provided. Saying items have been verified is not acceptable and not providing the information is also unacceptable. Equifax modified the amount, payment, and other historical information on my report in regards to the accounts in question. Equifax also claims other information has been provided from the original source. I have not been sent any information on the items used to verify accounts. I demand that said accounts be immediately deleted from my credit profile. This is the 3rd dispute and Equifax is stalling and not taking the appropriate action as deemed by law to protect the consumer
Product: Debt collection

MY MEDICAL DEBT WAS REPORTED TO MY CREDIT ILLEGALLY ACCORDING TO 15 U.S CODE 1681B ( G ) ( 3 ) BY FIRST FEDERAL CREDIT CONTROL IN THE AMOUNT OF {$450.00} XX/XX/2020 {$290.00} XX/XX/2020 {$290.00} XX/XX/2020 {$270.00} XX/XX/2020 {$190.00} XX/XX/2020 XXXX
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 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 that item of information trom the tile of the consumer, or modity that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately. 
Accounts XXXX XXXX, Account # XXXX Amount {$2900.00}
Product: Credit card or prepaid card

On XX/XX/2023 I signed into my XXXX account which has my credit card on file and noticed fraudulent charges. I am mediately notified XXXX and told them to cancel these fraudulent Purchases, That were made online and were being shipped. They told me to contact my credit card company. I immediately notified COMENITY capital Bank my credit card holder. After her reporting the fraud, my credit card was canceled a new one was issued. Comenity capital bank told me not to worry these are fraudulent charges I would not be held responsible. Even so I notified XXXX and XXXX and told them of these fraudulent purchases they both told me that they could not cancel the shipment only the center XXXX could do that! They would not tell me the address these items were being sent to but they did confirm it was my ZIP Code but not my address. I noticed that the company The items was being ordered from was called the way well and try to find them on the Internet I could not find this company however through XXXX I was allowed to contact them as a third-party I informed them that these were fraudulent purchases coming from their company and being sent to a fraudulent address! They never responded. I also contacted XXXX XXXX XXXX and Comenity bank via XXXX. Trying to stop these fraudulent purchases before they were sent as they were purchased online in a week went by before these were actually sent. {$150.00} / {$190.00} / {$190.00} after constantly worrying and much time trying to stop these fraudulent purchases Comenity capital bank sent me a letter in XXXX stating I would actually be responsible for all these charges! This is absolutely outrageous and everyone had time to stop the shipment before it happened I did nothing. I am a senior citizen on a fixed income and I refuse to pay for items I did not purchase. Needless to say I no longer have a wallet account with an online credit card at XXXX or anywhere else after this incident.
Product: Credit reporting or other personal consumer reports

Experience has failed to fulfill its legal obligation under the Fair Credit Reporting Act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Product: Debt collection

I have been a victim of identity theft, and have had multiple accounts opened under my name and social security number since 2014. I have provided Portfolio Recovery Associates, LLC with a fraud affidavit XXXX per their request ). I have even gone as far as obtaining an attorney, due to Portfolio Recovery Associates, LLC making threatening and harassing phone calls to me and even my FRIENDS & FAMILY about a debt that is not legally or rightfully mine. Portfolio Recovery XXXX failed to respond to several notices within 30 days per the FCRA. Portfolio Recovery Associates, LLC has blatantly broken the law and violated my rights!!! Per my previous attorney, a XXXX by the name of XXXX admitted via telephone that Portfolio Recovery Associates, LLC received ALL notices sent to them via mail, and failed to meet the required deadline to provide SUFFICIENT VALIDATION on this matter.
Product: Checking or savings account

On XX/XX/XXXX I returned items to the merchant XXXX XXXX who issued a refund to my card number ending in XXXX. However in that time TD bank detected fraud and my card was canceled and was reissued a new one. The merchant and the bank told me that the money would be redirected to the new card because the account was still open. On XX/XX/XXXX the merchant issued the refund but it got declined because the card was cancelled and the money was unable to reroute. I called TD bank onXXXX to talk to them about what happened and they stated that they would put a claim in to rectify the situation and money should be in my account within 7-10 business days. I still did not receive my money and went to the TD branch on XXXX XXXX in XXXX PA on XX/XX/XXXX which they also put in a claim to rectify the situation and the money should be in my account within 7-10 business days. I still have not received my money and called this morning ( XX/XX/XXXX ) to talk to TD who stated they sent me a letter stating they needed the proof that the merchant tried to refund the money. I did not receive this letter and my address hasnt changed. I found the proof and will be faxing it to the back office of TD today ( XX/XX/XXXX ). I keep getting told that I will receive my money within 7-10 business days and it has been almost 2 months since my account was credited I am fed up with this and just want my refund.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Navy Federal Credit Union for their failure to issue Form 1099-C ( Cancellation of Debt ) for a charged-off debt and for their inaccurate reporting of this debt to the credit bureaus.

I have an account with Navy Federal Credit Union. According to the provisions of 26 U.S. Code 61 ( a ) ( 12 ) of the Internal Revenue Code, any canceled debt of {$600.00} or more is considered taxable income and must be reported by the creditor on Form 1099-C. To date, Navy Federal Credit Union has not provided me with the required Form 1099-C for the charged-off debt on my account.

This form is critical for my tax reporting, as I am required by the IRS to report canceled debt as income. Failure to provide the 1099-C form not only complicates my tax filing but may also constitute non-compliance with federal regulations. 

Additionally, I am concerned about the accuracy of Navy Federal Credit Union 's reporting of this debt to the credit bureaus. Under the Fair Credit Reporting Act ( FCRA ), creditors are prohibited from reporting false or misleading information to the credit bureaus, including improperly reporting a canceled debt as income. Specifically, 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) requires that any information reported to the credit bureaus be accurate, including ensuring that canceled debts are reported properly to the IRS, not to the credit bureaus as income.

I request that the CFPB investigate Navy Federal Credit Unions failure to issue the required Form 1099-C and its inaccurate credit reporting practices. I would appreciate the CFPBs assistance in ensuring that Navy Federal Credit Union complies with its obligations under the tax code and credit reporting laws.

I would greatly appreciate it if the CFPB could look into this matter and assist me in resolving the issues with Navy Federal Credit Union.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my credit report? 
As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C 1681i ( 7 ) Method of Verification-Description of reinvestigation procedure.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX, I used a military clause to return my leased vehicle to KIA finance. There is no contact information ( email or phone ) I can reach them at for credit disputes, and all prior contact I had reached out to return the vehicle has not been responded to. I have taken screenshots of the return, as well as the vehicle being paid off and returned in full. My credit has taken a drastic hit due to them not flagging my account as paid sooner, resulting in almost 3 months of " late payments '', despite no payments needing to be paid.
Product: Credit reporting or other personal consumer reports

I looked at my report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates 1 XXXX XXXX acct XXXX amount XXXX 2 XXXX XXXX acct XXXX amount XXXX 3 XXXX XXXX acct XXXX amount XXXX 4 XXXX XXXX acct XXXX amount XXXX 5 XXXX XXXX acct XXXX amount XXXX all these accounts are incorrect from open date to the balance
Product: Money transfer, virtual currency, or money service

Hello, I had a very difficult issue with Citibank NA, using their Instant Payment Transfer system. I usually pay my landlord via Instant Payment every month, and usually schedule it out so I don't need to think about it. On XX/XX/year>, I scheduled an Instant Payment to my landlord for {$2600.00} to be done on XX/XX/XXXX. I logged into my Citi account on XX/XX/XXXX, and realized the payment had not been sent. I then called Citibank. They could not find any record of the scheduled Instant Payment. I was then told, over the phone, to schedule an immediate payment of the same amount. This one went through right away. However, on XX/XX/XXXX, I suddenly received an email that my initial payment would be sent. Thus, the system took twice my amount of money. 

I proceeded to have XXXX various phone calls with Citibank in order to fix it. Each time, they simply sent it to their Dispute Center, and the Dispute Center determined it was *MY* responsibility, and thus I was out the money. There was no recognition that Citibank *directed* me to do this and thus should be responsible. They simply told me to spend my time and responsibility fixing the issue they had created.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear sir or madam, I am a victim of identity theft, The information listed below which appears on my credit report does not relate to any transactions that I have made, it is a result of idenity theft, idenity items from from idenity theft should be blocked. Please block this information from my credit report pursuant to section 605B of the fair credit report act and send all information to all furnishes of this information, a copy of my police report is included, Police report # XXXX
Product: Mortgage

My mom had past away and the morgage is in her name I have all the documentaiton Power of Attorney house was left to me and I am deeded to the property, So my house is not in a foreclosure status with Sale Date attached to it being serviced By OCWEN SERVICING COMPANY they are suppose to be helping me with this loan Modification and all they are doing is giving me a Big run around and i have complied submitted all paper work and still now they are telling me there is nothing they can do for me. I want to save my home and they are not helping me at all There is a sale date on my Property and this is scaring me that I will be evicted from a property that I am trying to save in everyway
Product: Debt collection

I am a XXXX in the XXXX XXXX XXXX XXXX. My XXXX, the XXXX XXXX XXXX in XXXX FL had a military XXXX at XXXX XXXXXXXX XXXX XXXX in XXXX XXXX, FL. I was ordered to stay at XXXX XXXX XXXX XXXX under a program called XXXX XXXX XXXX ( XXXX ). Under the XXXX XXXX XXXX program the XXXX pays for a group of hotels under a contract with the Hotel. Nothing should be charged to the individual Soldier. I should not have had to pay for my room at all since it was supposed to be paid using the government contract under the XXXX program. I arrived at XXXX XXXX 's in XXXX XXXX and was told I could not get the room without presenting a credit card " to be used for incidentals only. '' The person at the front desk assured me the Government Travel Card I presented would not be used for the room as it was covered under the XXXX contract. The stay occurred on or around XX/XX/2017 On my next bill I was charged {$470.00} for the room and I did not incur any incidentals. I immediately disputed the charges with the bank by phone and sent a certified letter return receipt as a follow up and contacted XXXX at XXXX XXXX 's who agreed the charge should be taken off my Government Travel Card ( GTC ) as the XXXX contract should have paid for the room. XXXX was going to remove the charge from my GTC and charge the room to the XXXX contract. The charge was never removed from the GTC. Instead Citibank sent me a letter stating they are " unable to assist me '' since my card " has not been lost or stolen '' and " my correspondence was received after the requested response date ''. However, the certified letter I sent was timely sent. Numerous calls to Citibank and XXXX XXXX 's have been unsuccessful. I get the impression from Citibank that they are not concerned with disputing an illegal charge and are not interested in helping me whatsoever because they know that my XXXX has to report GTC delinquencies and there is an intense amount of pressure to pay the charges on the card. However, I never authorized the purchases put on my card. Citibank seems unable and unwilling to comprehend this.