23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I filed a complaint against Navy Federal for selling my SSN to a debt collector in XX/XX/XXXX. The debt collector removed their illegal claim on the debt. However, on XXXX XX/XX/XXXX, I received a letter in the mail from Navy Federal stating that they now own the debt and that all payments must be directed to them. This letter, I believe, is an intimidation tactic employed by Navy Federal. More importantly, Navy Federal 's actions in this matter have violated the provisions laid out in the FCRA and several other federal statutes, a serious breach of trust and legality.

Navy Federal illegally sold my SSN when they sold their rights of the account to the debt collector. Now, they repurchased the debt from the XXXX XXXX, for a debt they already filed a 1099-C and received insurance compensation. A 1099-C is a form used to report canceled debt, and its absence in this case is significant. Navy Federal filed a charge-off on this account, meaning they have written off the loss. They have failed to provide a copy of the 1099-C because they know that if they do, the debt will be canceled. This further supports my belief that Navy Federal is engaged in unfair practices, violating the Fair Debt Collection Practices Act. By the mere fact that Navy Federal knowingly sold my SSN illegally, they have lost that right to collect on that account. 
It is not an exaggeration to say that Navy Federal 's actions can be considered fraudulent. They filed a 1099-C on that account, failed to provide any documentation, and intended to collect again. This is akin to creating a problem and then trying to profit from it. The debt should not be held against me nor reported on my credit report, and yet Navy Federal seems intent on doing just that.

FDCPA prohibits debt collectors in this case, Navy Federal from using abusive, unfair, or deceptive practices to collect from a consumer.

42 U.S. Code 12203 prohibits retaliation and or coercion 28 U.S. Code Chapter 176 outlines the procedures for federal debt collection, including protections against fraudulent transfers and other unfair practices.
Product: Credit reporting or other personal consumer reports

( XXXX, XXXX & EQUIFAX ) ( XXXX XXXX XXXX XXXX ) {$580.00}, XX/XX/XXXX, ( XXXX XXXX XXXX ) {$17000.00}, XX/XX/XXXX, ( XXXX XXXX XXXX XXXX ) {$730.00}, XX/XX/XXXX, ( XXXX XXXX XXXX XXXX ) {$5800.00}, XX/XX/XXXX, ( XXXX XXXX ) {$2000.00}, XX/XX/XXXX, ( XXXX. XXXX, XXXX ) {$1400.00}, XX/XX/XXXX, ( XXXX XXXX ) XXXX XXXX, XX/XX/XXXX, ( XXXX XXXX ) XXXX XXXX, XXXX, ( XXXX XXXX XXXX XXXX XXXX XXXX,
Product: Student loan

I am a full class member of the XXXX XXXX  XXXX lawsuit and have received a letter from Dept of Education verifying that my loans will be discharged and any applicable payments will be refunded. Per the Dept of Ed, my loans should remain in administrative forbearance until discharged, which is supposed to happen by XXXX/2024 at the latest. The loans were put back into repayment and they show me as 3 payments overdue. I have uploaded the letter from the Dept of Ed to my account twice, to no avail. Please advise.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about some erroneous accounts in my report. You must correct these accounts that were opened without my knowledge, consent, or authority within 4 business days.These accounts are damaging my file and needs to be updated. 

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

I filed ch XXXX bankruptcy in XXXX, XXXX in XX/XX/XXXX. I have repeatedly disputed the tradeline with XXXX XXXX XXXX XXXX as they should no longer be listed on my report after my bankruptcy discharged. The credit bureaus have failed to properly investIgate this matter and continue to allow the reporting. This is damaging my credit and hindering me from obtaining a mortgage or a new line of credit. Its causing unnecessary stress and wasting hours of my time having to keep following up. I demand this tradeline be removed from my credit immediately or my next step will be legal action against both XXXX XXXX XXXX XXXX and the credit bureaus. A creditor can not report a tradeline after a discharged Chapter 7 bankruptcy as it is illegal for them to do so ; once a debt is discharged in bankruptcy, the creditor is prohibited from reporting any negative information about that debt on your credit report.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within

24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts I have marked as inaccurate XXXX XXXX, XXXX XXXX it which I dont even know who that is!
Product: Debt collection

This Collection appeared on my Report Reports. I have no Knowledge of this debt or how old it is to know if it is even still reportable.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score is down 46 points despite having an excellent history of timely payments and excellent use of credit at my XXXX XXXX XXXX. I called my bank to get clarification on the matter, they were unable to help me because as I mentioned I have an excellent credit history so they gave me the Transunion phone number which is XXXX. I called them and spoke to a representative who said that from their records, I never used credit, so they lowered my credit score. But this is not true, I am using the credit and paying the full amount as soon as possible to increase my credit score and I can prove it with my XXXX XXXX credit transactions. I asked to speak with the Transunion supervisor who was busy at the time and was supposed to call me last week, but they never called me back. It's outrageous. I want to make a formal complaint and investigate and get my 46 points back. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taken advantage of due to malpractice. While several Federal laws were broken under the ( FCRA ) by your company. I gave no consent for your company to report any hard inquirys on my credit report. 

This has caused me defamation of character, severe hardships, XXXX, XXXX XXXX, Emotional distress, loss of enjoyment of activities. I cant apply for credit, my ability to apply for credit is tainted.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding incorrect late payment reports on my Apple Credit Card, issued by Goldman Sachs Bank, for XX/XX/year> and XX/XX/year>. I have made several attempts to resolve this issue directly with Apple Cards customer service. Specifically, I have contacted their representatives on three separate occasions, explaining that these late payments are inaccurate and requesting that they correct the information on my credit report. 

Each time, I was told that my case would be reviewed, and I would be contacted with a resolution. Unfortunately, I was never contacted, and the incorrect late payment remarks were added to my credit report. These remarks have negatively impacted my credit score. 

Despite my attempts to resolve this issue directly with Goldman Sachs, no action has been taken to correct the inaccuracies. 

I also attempted to dispute the inaccuracies directly with the credit bureaus, but each time I was told that the late payments were verified by Goldman Sachs, yet no documentation or evidence was ever provided to support this. To make matters worse, Apple Card and Goldman Sachs were recently fined for incorrectly reporting information and mishandling customer disputes. I believe I am a victim of this same behavior, as my attempts to resolve this issue have been ignored, and the incorrect information continues to negatively affect my credit report.
Product: Debt collection

Attached are letters from XXXX/Comenity Capital bank and The Bureaus. All 3 companies have been sent demand letters for the following : Original Contract with my signature Pay Off Disclosure Interest rate Disclosure Balance history Payment history Credit Insurance A copy of a check ( payment ) from myself All three of these companies as you can see sent me excuse letters. Ive received nothing of what Ive asked for, nothing!! Now the statue of limitations/4 years is over and in the State of Pennsylvania thats the maximum time they can collect, and since they can not show us even one payment from myself, there is a no payment history, and were not believing their made up schedule. So Im asking once again after 4 years, REMOVE!
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and dissatisfaction with the numerous unsuccessful attempts to remove fraudulent items from my credit file. Despite my persistent efforts and multiple communications with your institution, these fraudulent entries persist, causing significant distress and concern. 

I have diligently followed the procedures outlined by your institution and the credit reporting agencies to dispute and request the removal of these fraudulent items. I have provided all necessary documentation, explanations, and evidence to support my case. However, despite my best efforts, the fraudulent items remain unresolved. 

It is extremely disheartening to see that despite my repeated attempts and persistence, the fraudulent items continue to negatively impact my credit file. These fraudulent entries not only affect my credit score but also raise concerns about potential identity theft or fraudulent activity. 

I have made numerous calls, sent multiple letters, and engaged in extensive correspondence with your institution and the credit reporting agencies in an effort to escalate the resolution of this matter. However, the lack of progress and the continued presence of fraudulent items on my credit file have left me feeling frustrated and disillusioned. 

As a consumer, I have the right to expect accurate and up-to-date reporting of information on my credit file. The repeated failures to address this issue not only undermine my confidence in your institution 's ability to handle consumer concerns but also reflect poorly on your commitment to customer service and financial integrity. 

I urge you to take immediate and decisive action to rectify this situation. I request that all fraudulent items be promptly and permanently removed from my credit file, and that measures be implemented to prevent any recurrence of such fraudulent activity in the future. 

Furthermore, I expect transparent communication throughout the resolution process, including regular updates on the progress made towards resolving this matter. 

Please consider this letter as a formal complaint regarding the handling of the fraudulent items on my credit file. I trust that you will prioritize this issue and take the necessary steps to restore my confidence in your institution and the accuracy of my credit file. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX CAF XXXX Balance : {$29000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX TN ) XXXX Balance : {$3500.00} XXXX HOLD XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX TN ) XXXX Balance : {$3500.00} CAF XXXX Balance : {$29000.00}.
Product: Credit reporting or other personal consumer reports

I am filing complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the air Credit reporting act ( FCRA ), 15 u.s.c. 1681i which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( A ) ( 1 ) ( A ) - ( b ), as highlighted in the CFPB 'S recent administration proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit card

For the months of XXXX, XXXX, XXXX, XXXX and XXXX there is a charge/an unauthorized charge of {$14.00} for the XXXX website, which should not have been charged to my credit card account. Totalling approximately {$75.00} dollars for these months. I never authorized the XXXX  to charge my citi card, as such there never should have been any charge to my account, because the XXXX XXXX only charges {$1.00} for a subscription moreover, any subscription was cancelled the same day activated. Therefore I do not want to replace my Citi Card, I am requesting the reversal of those charges of {$14.00} plus interest to be credited/refunded back to my Citi credit card totaling over {$75.00}.
Product: Checking or savings account

Earlier this year, XXXX XXXX, my auto insurance at the time, took a payment of {$370.00} from my CapitalOne account that I did not authorize. I disputed this charge and used an alternative method to make this payment when I was able to. On XX/XX/XXXX CapitalOne reversed the credit to my account, and ended the dispute in favor of XXXX XXXX. Their reasoning was that I wasnt able to provide them with a statement proving I made the payment to XXXX XXXX with another method. I told them its none of their business, and that the only thing that concerned them was that I didnt authorize the charge. I spoke to the CapitalOne team multiple times always to no avail. I stated i would escalate to the Consumer Finance Protection Bureau if the dispute wasnt corrected in my favor. This month, I received a debt collection notice.
Product: Debt collection

This company name Ideal Collection Services reported to my XXXX credit repot I owed them $XXXX   Dollars, I had never have any business with them, and they claim I rented a property in XXXX  florida, I have never lived or rented a place in XXXX florida.
Product: Payday loan, title loan, or personal loan

Regional Finance contacted me about paying on a personal loan in my name. I did not take out a loan. This was a fraudulent loan based on a scam. 
XX/XX/2022 I submitted fraud packet with Police Report to Regional Finance for a loan they said was issued in my name for {$2100.00} effective XX/XX/2022. They gave me a copy of a cancelled check that does not match my signature, phone number, or texas driver 's license number. I have contacted Regional Finance numerous times to have this account removed from my credit report and as of today 's date, XX/XX/2022 it is still showing and now is reported as past due negatively impacting my credit score. 

The local Regional Finance office says it has no record of the loan and it is now with their corporate office who states it will be at least XX/XX/2022 before they finish their investigation. This company is reported numerous times on XXXX  for this same fraudulent act.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX TOL Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account XXXX : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Mortgage

I 've reached out to Wells Fargo to modify my loan. On XXXX XXXX, XXXX, I submitted all of my loan modification paperwork with supporting documentation as was required in order for the non judicial foreclosure scheduled on XXXX XXXX, XXXX to be suspended. 
Unfortunately when I went to the Wells Fargo portal to check my loan modification status on XXXX XXXX, XXXX, it 's showing that the foreclosure sale it still active for XXXX XXXX, XXXX. 
Per the guidelines of any any modification agreements that were executed with security deeds under FHA/HUD and were placed in XXXX XXXX Pools that did not follow XXXX XXXX guidelines prior and current, will be null and void per the regulations of XXXX XXXX Mortgage Backed Securities Wells Fargo is in violation of the Amended Office of Comptroller and Currency XXXX Consent Order regarding this loan In particularly ; Article IV - Compliance Program Article VIII - Management Information Systems Article IX - Mortgage Servicing 1 ). I 'm attaching the completed modification packet ; 2 ) .the Amended XXXX OCC Consent Order ; 3 ). Wells Fargo Loan status showing that even though my modification pact was submitted, I 'm still showing the sale is moving forward. 4 ) Verified Affidavit stating that Wells Fargo has no authority to enforce the Security Deed and Note.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section XXXX and XXXX XXXX XXXX XXXX once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe my information might have been in someone elses hands or might be part of a breach these inquiries and account dont belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

XX/XX/2023 I scheduled a payment from my XXXX  account ending in XXXX towards my discover credit card in the amount of XXXX. On that same day I deposited XXXX into my XXXX  account as well to cover all my monthly bills. I received a notification to my email about both the deposits and when Discover withdrew the XXXX from my XXXX  account ending in XXXX. In XXXX I received a message from Discover stating they never received the payment from XX/XX/2023 however, they also sent me a notification during that time period of my payment being posted. I started a dispute but they not only denied my claim but messed up my credit report by furnishing the account without my consent
Product: Credit reporting or other personal consumer reports

I have 2 hard inquiries by Discover while I approve only one. Discover ran my credit causing a hard inquiry in my credit report before requesting all documentation needed to complete application. It is uncommon that institutions run credit on customers before having sufficient information or documentation to complete application. In addition to this, Discover denied the application stating that I did not provide all the requested documentation within the time frame defined, however there were important delays on Discover side to analyze my documentation and make a determination. All the documentation was submitted and accepted through their website platform as the channel provided by Discover for this application. Weeks later, I received a response via email that documents were not provided on time and therefore application was denied. Please provide timeline of the application process on question, including dates of submission of documentation to clarify this topic.

For additional supposed approved hard inquiries, please provide the supporting evidence of my approval to run my credit. I do want to mention that after application denial, I called multiple times as a consultation of the issue and follow up on this matter. I did not approve additional hard inquiries.
Product: Mortgage

My mortgage was sold to Nationstar Mortgage by XXXX. I received notice from XXXX concerning the sale, but never received the information about my loan from Nationstar. After many phone calls, this was straightened out, however Nationstar is not honoring the repayment terms according to my original loan. I have electronic payments automatically sent twice a month with a total that exceeds my payment. Nationstar consistently holds the funds without applying them to my account. They then repeatedly contact me falsely claiming that they have not received any payments.
Product: Vehicle loan or lease

On XX/XX/year> I entered a loan agreement with American Financial for a XXXX XXXX. They later went out of business and another Loan company purchased all the loan agreements, by the time I was notified of this situation the vehicle was up for repossession. I would try to sign into my online account where I make payments and was unsuccessful. Then there was an issue with the vehicle out of my control and I called to inquire about any recalls on that particular vehicle they told me no, so I had to pay out of pocket expenses for that. Then maybe a month later there was a recall on that vehicle, but I was never refunded the money I paid out of pocket. 
I never had a contract with WESTLAKE FINANCIAL and when they finally reached out to me I was presented with the options of starting the loan agreement over from the beginning with the same bi-weekly payments of {$250.00} after paying that same amount for a year already. My Loan agreement is not with WESTLAKE FINANCIAL.