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

To Whom It May Concern : I recently reviewed a copy of my consumer report and I noticed a collection on my consumer report. 

Account Number : XXXX Your company is in clear violation of the law. 
I am not liable for this debt with the XXXX XXXX XXXX  I do not have a contract with XXXX XXXX XXXX. 

Under XXXX XXXX XXXX XXXX XXXX XXXX XXXX the consumer refuses to pay a debt collection. 

Under 15 USC 1681b- Permissible purpose of consumer reports, The Law CLEARLY STATES : ( a ) IN GENERAL. 
Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish this on my credit report? 

Furthermore, failure to respond satisfactorily with the deletion of the above-referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company. 

I demand to see verifiable proof of the original consumer contract with my signature on it and yours, which is on file for the account listed below. 

Failure to positively verify these accounts has hindered my ability to credit. Delete this collection in the next XXXX  days. 

It has damaged my mode of living, and my character. 
Defamation of Character ( per XXXX ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15 USC 1 681 violations for willful XXXX XXXX. XXXX XXXX for willful noncompliance ( 15 U.S.C 1681n ) Best regards, XXXX XXXX XXXX
Product: Debt collection

The company AMCOL Sytems Inc has not submitted a written debt validation that shows a contract between them and myself that shows that they are authorized to collect any monies from me. A validation would include my signature and I have not received anything from the company.
Product: Checking or savings account

On Monday, XX/XX/XXXX, I visited a Navy Federal branch in XXXX, VA and deposited a check from the U.S. Treasury in the amount of {$100000.00}. The teller informed me that the funds would be available the next day.

The next morning, I received an email from NFCU stating, " We're delaying {$100000.00} of your total deposit of {$100000.00} into your account ending in XXXX, received on XX/XX/2024. We've taken this precaution because we have reasonable cause to believe that the check is uncollectible from the paying bank based on confidential information that indicates that the check may not be paid. If the bank pays the check, you can expect to receive your funds within XXXX business days of your deposit. '' I called Navy Federal and e-messaged them on numerous occasions to understand why they determined this check to be uncollectable. Navy Federal initially claimed that this information was confidential and could not be released, but on Thursday, Navy Federal stated that the funds were scheduled to be released on Saturday, XX/XX/XXXX. Once Navy Federal essentially admitted that the funds were being held due to the dollar amount and not because the check was deemed uncollectable, I asked Navy Federal for access to {$5500.00} because I believe that 12 CFR 229 requires release of {$5500.00} of the deposit by the second business day ( Wednesday ) when the reason for the funds hold is a large deposit. ( XXXX XXXX XXXX XXXX XXXX ) Navy Federal refused this request and claimed that 12 CFR 229 does not apply to its organization. Navy Federal stated that its own policies and determinations are how it runs its business.

I encourage CFPB to obtain Navy Federal 's recordings of the phone calls I had with them, in addition to copies of the e-Messages I had with Navy Federal.

I would like CFPB to request from Navy Federal for evidence supporting the " reasonable cause '' for flagging my deposit as uncollectable, and I would like CFPB to determine if that determination was legitimate treatment of a US Treasury check.

I would like CFPB to evaluate whether Navy Federal should actually have classified my deposit as a " large transaction '' instead of as an " uncollectable transaction. '' I would like CFPB to evaluate my claim that Navy Federal should have provided me access to {$5500.00} of my deposit by the second business day.

I contacted NCUA regarding this matter, but NCUA referred me to CFPB.
Product: Credit reporting or other personal consumer reports

XXXX Per the FCRA, I as a consumer opted out of all authorization i previously gave Capital One via mail. Capital one have not taken action in removing the above account from my consumer report. Therefore the above account should not be reporting on my consumer report per 15 USC 6802. I demand a immediate deletion from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC Violations OCC Assesses {$60.00} XXXX Penalty Against XXXX XXXX, Orders  Bank to Reimburse Consumers for Unfair Billing Practices Leading Debt Collector Agrees to Pay Record {$2.00} XXXX to Settle FTC Charges XX/XX/2011 FOR RELEASE A leading debt collection company has agreed to pay a civil penalty of {$2.00} XXXX to settle Federal Trade Commission charges that its aggressive collection techniques violated federal law. As part of its efforts to protect consumers affected by the struggling economy, the FTC alleged that XXXX XXXX XXXX, XXXX violated the FTC Act and Fair Debt Collection Practices Act. 
XXXX XXXX {$910.00} XXXX XXXX {$130.00} XXXX XXXX   XXXX XXXX late flexible spending card XXXX {$210.00} XXXX XXXX XXXX   {$540.00} XXXX XXXX {$510.00} XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX {$340.00} XXXX Inquiries : XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX wrong names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX   XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been overseas for 9 months and was not appealing for any credit. Fraud alerts have been placed with all bureaus.
Product: Credit reporting or other personal consumer reports

Please remove all XXXX XXXX XXXX XXXX accounts and inquiries due to fraud. 

FTC report and ID attached.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

AVANT REPORTED TO XXXX AND OTHER CREDIT AGENCIES THAT THE LOAN IS OPEN AND NOT PAID. 
THIS LOAN IS IN COLLECTIONS WITH XXXX - AND IT WAS PAID AND SETTLED TO THIS DEBT COLLECTOR - YET AVANT IS REPORTING OTHERWISE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. 
This item shows I have a 30 day late on my car loan with XXXX  ( account XXXX ). This is inaccurate. I have never made a late payment on this loan. I am requesting that the late payment reporting be removed. IF they can not provide proof it must be remove.
Product: Credit reporting or other personal consumer reports

Please removed fraudulent accounts and hard inquiries off my credit profile from XXXX, Equifax, XXXX XXXX immediately. 
XXXX XXXX {$55.00} XX/XX/XXXX XXXX XXXX {$160.00} XX/XX/XXXX XXXX XXXX XXXX {$320.00} XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting

It is XXXX XXXX, 2016 and I have still not received my free annual credit report that I ordered by phone the evening of XXXX XXXX, 2016. How can I find out whether the report was sent or not?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against Equifax, XXXX, and XXXX I have disputed this with the three credit bureaus. I have requested re-investigation and verification of items which they are reporting in my file. They claim to have verified these accounts but it's all electronic and therefore, they never even speak with anyone to conduct a reasonable investigation as mandated by law. 


Late payments Account Name : XXXX XXXXXXXX Account No. XXXX Dates of Late : XX/XX/XXXX Account Name : XXXX Account No. XXXX Dates of Late : XX/XX/XXXX Account Name : XXXX Account No. XXXX Dates of Late : XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX I have paid these accounts on time. How did they verify this?
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX Bank XXXX - Account # XXXXXXXXXXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX XXXX  on XX/XX/XXXX XXXX Reported Identity Theft )
Product: Checking or savings account

On XX/XX/2022 I withdrew money from the bank ATM and the ATM dispensed a damaged {$20.00} bill. I took the bill and went to a banker to have the bill exchanged. The banker, XXXX XXXX, gave me a hard time with exchanging the bill by failing to document the bill exchange within the bank database. Her supervisor, XXXX XXXX came and XXXX XXXX XXXX for requesting proof of the exchange. She threatened me to leave the branch or else Later I received a letter that all my accounts would be closed as of XXXX at the banks discretion. The branch XXXX used XXXX on me during our interaction on XXXX and XXXX XXXX XXXX  without merit.
Product: Credit reporting or other personal consumer reports

I mailed NCD Financial LLC several letters since last year asking for debt verification. I do not remember opening this account and wanted to see written proof. The refuse to send anything back to me in the mail but continue to update on my credit report as late and open and it's been years like this. Nobody responds or send me anything in the mail back with verification
Product: Debt collection

After several years of not monitoring my credit reports, I finally requested a copy of my XXXX, XXXX and XXXX XXXX credit reports in XX/XX/2019. I continued to monitor them, and on XX/XX/2019, I noticed Sequium Asset Solutions/XXXX XXXX, noted on my credit report as a collection. I originally ordered the service because XXXX XXXX talked me out of a streaming service and agreed to provide me with 1 ) XXXX XXXX cable TV, 2 ) 100MB internet, and 3 ) cell phone service through XXXX  for a total of $ XXXX/month. XXXX XXXX only provided me with cable TV. I did not receive the 100 MB internet or cell phone service as was agreed upon and contracted for. I called XXXX XXXX on multiple occasions with no return call received from the problems department. Of course, I cancelled my service because XXXX XXXX reneged on their end of the agreement. I never received a written notification from either company stating that I owed a debt or with intent to collect a debt. 

On XXXX.2019, I wrote Sequium Asset Solution/XXXX XXXX, with a request for them to validate the debt and sent it via certified mail, as is in my rights under the Fair Debt Collection Practices Act. I did not receive return communication from Sequium Asset Solutions/XXXX XXXX. The validate debt letter was sent via USPS certified mail with tracking number # XXXX and was delivered and left with individual at Sequium Asset Solutions/XXXX XXXX on XXXX.2019 @ XXXX per USPS records. I  have not received any communication from Sequium Asset Solutions/XXXX XXXX to date. 

I would like Sequium Asset Solutions/XXXX XXXX collection account to be removed from my XXXX, XXXX and XXXX XXXX credit reports. Thank you for your help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian 27 times since XX/XX/2019 about the following issue. Every time I call I am transferred to and from and all around departments because no one can seem to understand the issue or how to correct it. I have mailed and faxed multiple documents in the past months proving my identity. I have corrected my address and created a new password for my account. I am able to log into my account via the app and experian.com COMPLETELY fine. I am able to navigate the site without a problem. There is nothing wrong with my login information. The problem occurs and ONLY occurs when I click " Start New Dispute '' from the app and website. For some reason I can not access the Experian dispute center. I can not even view the status of completed disputes. I was also unable to upload important documentation needing to be attached to a dispute. Any time I try to start a new dispute or check the status of a dispute I receive the following error message : " We're experiencing technical difficulties and can not access your report at this time. Please try again later. XXXX Mon - Fri : XXXX - XXXX ''. In the 27 calls made to Experian and out of all the representatives I have spoken with I receive a different answer or I am advised it will be fixed in a few days. I have now way of managing my disputes or than postal mail. As we all know disputes can take a while and postal mail would add weeks to the process. This is COMPLETELY unacceptable.
Product: Credit reporting

Experian has fail to delete wrong information on my report, such as personal and accounts with recent payment that have been close. Fail to provide me with proper documentation of negative collection accounts on my report. also they are taking more than 45 days to provide me with mail in results of my disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

To someone that can help me, I am very deeply upset about all these erroneous items that are reporting incorrectly on my credit report. These accounts are unverifiable, invalidated, inaccurate, & FCRA violations. If everything is not reporting 100 % accurately it must be removed. These inaccurate items on my report are causing me hardship, I can not get a vehicle or apartment for me and my kids. It is my understanding that you will do an investigation immediately & you will send me a new credit report that reflects the updated changes. According to law, unverifiable inaccurate accounts must be removed and if you are unable to provide me a copy of the verifiable proof in 15 days after your investigation you must remove the account.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date.

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Checking or savings account

I deposited a check from my brother it was drawn on Chase, and my account is also with Chase. The check cleared his account same day. They put a 3 day hold on my funds, and then released them and the restricted my account and won't let me use my funds. When I call they say they have to call him to verify the funds, and they use a third party to do this, and they have no listing of him, and they don't have any information of how he can call to give his number. Chase has his direct phone number on his accunt, why would they need to use a third party. I am reading a lot of these issues and then chase closing the account.
Product: Mortgage

Nation Star took over mortgage processing XXXX 2015. They have failed every month to automatically withdraw the payment from our account. Starting in XX/XX/XXXX, they have lied during multiple phone calls and told us the problem was resolved/fixed. They also promised to call back with information and the resolution and did not. They continue to phone all hours of the day and night -- past XXXX -- and mail saying the payment is past due. This suggests an intentional ongoing corrupt practice to be able to collect late fees, raise interest rates and foreclose on properties, epecially targeting senior citizens. 

To be fair, not all service reps were dishonest nor hard to understand. Several simply did not have the authority to resolve the issue. Nonetheless, those who did assured us the problem that they caused was fixed. It still has not been.
Product: Debt collection

Dynamic Recovery Solutions they continue to call my personal cell phone. I have no outstanding debt for whatever it is calling about. I didn't go into conversation. I only have one outstanding debt with a student loan which it in forebearance and not negative at this time because I am XXXX.
Product: Debt collection

Today is Monday, XXXX XXXX XXXXXXXX. Citi Best Buy has already called once today. They call several times per day. In the past 7 days, since XX/XX/XXXX, they have called 17 times. They typically call 3 times per day. This is not the first time theyve done this when Ive been late on a bill. 

This is harassment. Clearly, I know that I owe them money. However, I am all out of money until the XXXX XXXX XXXX when I will promptly pay them. They dont need to call 3 times per day to get their point across.
Product: Credit reporting

Several items on my credit report are outdated, according to FCRA reporting limitations, when I tried to dispute these discrepancies I was n't allowed. It told that because I had previously submitted a claim and it was not in my favor, I could n't disputed it again. 
I definitely believe that this is a another way to segregate and strip an individual from their ability to disagree with public information. Not to mention the violation of FCRA on my right to challenge as many times as needed inaccurate information on my credit report.
Product: Payday loan, title loan, personal loan, or advance loan

I opened a credit building account with money lion. In this installment it is a secured loan of XXXX. They give you a small percentage up front and then once the loan is paid they release the rest. 

I paid this account in full on XX/XX/year>. It was past due however no collection calls were sent nor was the account closed. 

After payment I was due {$850.00}. They never sent it. This erupted into a 2 month long battle where I had to submit personal bank statements to prove to them they never sent the money. They say they have now sent in but so far I have not received it. 

During these two months and the conversations there was no discussion of a charge off or anything negative with the account. But now that the installment has been " resolved '' they all of a sudden have reported the account as a charge off