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

Navy Federal Credit Union XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : Formal Dispute of Inaccurate Reporting Request for Removal, 1099-C Issuance, and Cease-and-Desist Notice Account Number : 1. XXXX - NAVY FEDERAL CR UNION - DATE OPENED XXXX XXXX. XXXX - NAVY FEDERAL CR UNION - DATE OPENED XXXX To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of the above-referenced account and to demand immediate corrective action pursuant to federal consumer protection laws, including but not limited to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. 

1. Dispute of Account Reporting This account has been reported as written off as a profit/loss ( charge-off ). However, I have identified that the account is being repeatedly reported as a new charge-off account with an outstanding balance, despite being previously written off. This constitutes inaccurate and misleading reporting in violation of the FCRA, specifically : 15 U.S.C. 1681e ( b ) : Duty to ensure maximum possible accuracy of information. 
15 U.S.C. 1681s-2 ( b ) : Duty to investigate disputes regarding furnished information.

By continuing to report this account inaccurately, Navy Federal Credit Union is damaging my creditworthiness, resulting in defamation of character and material harm to my financial reputation.

2. Request for 1099-C Issuance As the account has been charged off, I am requesting that you provide a copy of the IRS Form 1099-C ( Cancellation of Debt ). The issuance of this form is required when a debt is canceled or written off and no longer collectible. Failure to provide the required documentation further demonstrates non-compliance with applicable consumer protection laws.

3. Cease-and-Desist Notification Under the FDCPA, 15 U.S.C. 1692c ( c ), this letter serves as a formal cease-and-desist notice regarding all collection efforts related to this account. You are instructed to cease all forms of communication with me, including but not limited to phone calls, emails, or letters, regarding this account.

4. Demand for Resolution To resolve this matter, I demand the following actions be taken within 30 days : Immediately correct and remove the inaccurate information from all credit reporting agencies.

Provide a copy of the IRS Form 1099-C for the cancellation of this account, if applicable. 
Confirm in writing that you have ceased all collection activities and communications related to this account. 

Sincerly, XXXX XXXX
Product: Debt collection

My debts already paid off but it keeps coming back and having problems with other transactions. And im having problems with my credit score.
Product: Mortgage

On XX/XX/XXXX, my wife and I closed on a HELOC offered through Spring EQ. While there were a few service hiccups during the course of closing and booking the line, the substance of my complaint relate to my understanding of terms and conditions, as well as process, related to that booking, and an outcome with the servicer that now leaves me feeling deceived. 

Spring EQ required that I advance 75 % of the line in order to book it and establishing servicing. I was told that, in order to avoid unwanted interest, I would be able to pay off the amount advanced within several days of the line being booked. However, this proved impossible as Spring EQ was not able to take payment for a loan they had transferred servicing on, and I did not know who my new servicer was or receive a communication from them until XX/XX/XXXX, at which point I received a letter that had been date XX/XX/XXXX. 

Since setting up servicing with XXXX XXXX XXXX  ( XXXX  ), I have learned : -My line was sent to XXXX  in a frozen status and I will not be able to access it for 90 days. This was not disclosed to me verbally during the application, booking, or closing process. 
-I only learned my line had been booked in a frozen status AFTER it was reported ( inaccurately XXXX as closed to the CRAs. In calling to follow up on that TODAY XXXX XX/XX/XXXX XXXX, I learned the line was frozen. 
-I am not able to easily pay off the advanced balance as advertised as XXXX  has no mechanism for accepting payments over the phone or online greater than {$25000.00}. My available options are to pay a portion each day until the balance is brought to zero, or to send a wire ( would incur cost on my part ) or to send mail ( would add time to the amount that my line is open, thus resulting in additional interest ). This was not the straightforward and easily executed process I was told would be available to help avoid paying unwanted interest. 

All in all, I feel strongly that a failure to be transparent on the part of Spring EQ, as well as a failure to ensure they transfer servicing to a third party who can be relied on to deliver on their commitments, has left me paying more in interest than I in principal agreed to, with incorrectly reported information on my credit bureau, and that has required a substantial investment of follow up time on my part to get basic information about the status and servicing of my equity line.
Product: Credit reporting

I am only trying to obtain my free annual credit report and each XXXX of the questions did not pertain to anything I 've ever done in the past. I have never had a mortgage/ loan for a home. I am concerned that I 've had some kind of identity theft and this concerns me as we are trying to apply for an FHA loan.
Product: Checking or savings account

I had been charged for overdraft fees that should have been refunded back to me because I had deposits in my account the next day to cover the fees. Im owed {$210.00} because of there mess up.
Product: Credit reporting or other personal consumer reports

I recently tried to receive my credit reports from annual credit reports.com and on multiple occasions i was denied by XXXX XXXX and Experian. I tried again XXXX and i continue to be denied access to my credit reports.
Product: Credit card or prepaid card

Barclay arrival+ shocked me with Cash Advance Fees for my XXXX purchase after frequent and regular purchases for over 5 months. 

CASH ADVANCE FEE XX/XX/2018 {$27.00} CASH ADVANCE FEE XX/XX/2018 {$130.00} They did not call me, communicate to me at all in regards to these fees.
Product: Credit reporting or other personal consumer reports

I see that XXXX, XXXX, and Experian are reporting XXXX XXXX somewhat negatively on my consumer report without my consent. I have attempted months ago prior to this complaint to call and send in a letter stating that Per the FCRA as a federal protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802. I still see that it is on my reports even when it shouldn't have been to begin with considering I never gave permission or consent to report this on my credit reports. Under the Privacy Act of 1974 it clearly states, No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. Also, 15 USC 1681b 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. According to the Fair Credit Reporting Act 15 USC 1681a-4, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ''. XXXX, Experian, and XXXX are all consumer reporting agencies, and I am the Consumer. 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 ''. Also, I see a lot of transaction history being reported including the high utilization that's being reported but according to 15 USC 1681a-exclusions, report containing information solely as to transactions or experiences between the consumer and the person making the report. Then 16 CFR 313 - Privacy of Consumer Financial Information, helps back my point that all the transaction history is illegal to report and should not be reported on my credit reporting 's from what 15 USC 1681a section states. Every company in their agreements with consumers said they would follow the law and agreed to do so. They are aware that they are breaking the law and continue to do so daily with prior knowledge of the law they agreed to uphold for the benefit of the consumers and to not undermine the public confidence which is essential to the continued functioning of the banking system according to 15 USC 1681a-1.15 USC 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, XXXX, and Experian are not maintaining reasonable procedures.
Product: Mortgage

I am filing this complaint in response to the complaint my daughter filed on my behalf, complaint # XXXX. I would like to have a response on what the alternatives are available please. The last letter I received from Wells Fargo stated that the house was in active foreclosure state. Prior to that I received a letter stating that they were still reviewing documents. 
Please any updates. Looking forward to working with Wells Fargo to resolve this matter. Thank you
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle handling of disputes, particularly in light of the recent CFBP lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claim adequately. They informed me that reposting lost funds was impossible and that tracking these transactions was unfeasible. The CFBPs finding indicate that zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
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. 

Name : XXXX XXXX XXXX  Account : XXXX Amount : {$2600.00} I told XXXX, Transunion, and XXXX to reinvestigate these accounts : However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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: Vehicle loan or lease

Toyota Motor Credit Corporation has violated multiple FDCPA laws. They failed to train their sales representatives on TILA properly. Also, they've violated my right to privacy.
Product: Credit card

Applied and received fidelity rewards card Received statement, bill due XX/XX/2016 Electronically paid entire amount and another {$300.00} on XX/XX/2016 Charges to card refused on XX/XX/2016 Contacted the company-was informed payment received but not posted to my account and yes indeed there will be a late fee, was informed payment may be posted for as long as 48 hours, it had been 5 days! 
I promptly closed the account
Product: Debt collection

I am disputing the accuracy of the payment history and status for the account ( XXXX ) on my credit report, urging its immediate deletion as per FCRA guidelines XXXX XXXX and XXXX have already removed the account due to identified errors, raising confusion about the verification process, and I request prompt action to align with their corrections.
Product: Debt collection

I have tried to contact portfolio collections agency they email and phone and each time have gotten no response back when I first received a letter. Now later I am trying to repay the debt and find out it is with a lawyer who also wont return my messages and I did not receive any paper work or was not served any papers for court saying this was going to happen. I am trying to buy a house and want to get this fixed but after months and months I cant get anyone to help now its defaulted and I dont know what to do. The last call and email I made was in XX/XX/2019. I get no return call about anything! I should of had this fixed months ago. I call XXXX  XXXX the original creditors and they say to call portfolio or the lawyer, and wont discuss anything, well portfolio and the lawyer dont answer! I even had the gentleman with the loan place try and call and he got no where as well.plus I think their are two cards one in my married name and one in my maiden name.
Product: Debt collection

capitol one acct was paid in full XX/XX/XXXX and they reported it to credit agency but they have not adjusted the amount on my balance and closed the account even though it was paid in full. They continue to collect something that was already paid by a negotiable instrument.
Product: Vehicle loan or lease

I have a delinquent notification on my credit report form Volkswagen Financial that states that I was 90 days late in XXXX-XXXX of XXXX. This account was closed and paid in full in XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern I XXXX XXXX recently received a copy of my credit reported after dispute of items on my credit report. the items disputed were XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX these accounts where deleted off of my XXXX credit report on XX/XX/2021. I've sent proof to XXXX and transunion that these items was deleted by XXXX. on XX/XX/2021 XXXX and transunion both responded updated in my report. but did not delete these items from my credit report. I'm am aware that all XXXX  credit reports must be XXXX percent accuracy when reporting.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I processed two transactions via XXXX powered through PayPal and they canceled both transactions I have a pending hold that has not been released yet I contacted them as well as the card company ( RushCard ) the transaction has been pending since the XXXX I called them and they said that they would send me and the card company an email that shows it was lofted the card company said if they can provide that, they will do it manually on there end its {$1600.00} + the fees The transactions action numbers are XXXX and XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX, XXXX XXXX, XXXX XXXX & XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw an address on my credit profile that does not belong to me. Ive never lived at, nor am I familiar with the following residence : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, GA XXXX. 

I sent in my ID, social security card, and utility bill to demonstrate my current address, but was told that my problem could not be resolved.
Product: Credit card or prepaid card

Navy Federal Credit Union is claiming that I owe an alleged debt of {$6300.00} on a credit card. I am making this complaint to prove that I do not. I am in fact a consumer, a natural person who seeks or acquires goods or services for personal, family, or household use only in accordance with the federal regulation 16 CFR 433.1 ( b ). I am well aware that NAVY FEDERAL CREDIT UNION is a creditor pursuant to 16 CFR 433.1 ( c ). I am also aware that according to 31 U.S. Code 3123 ( a ) The faith of the United States Government is pledged to pay, in legal tender, principal and interest on the obligations of the Government issued under this chapter. Therefore I, the consumer, is not obligated to pay this alleged debt. I am aware that according to 18 U.S. Code 8 the obligation of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, BILLS, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. Again, I, the consumer, is not obligated to pay this alleged debt. I am aware that according to 12 U.S. Code 1431 the powers and duties of banks is to BORROW MONEY. Therefore it has come to my attention that money wasnt created with NAVY FEDERAL CREDIT UNION until I, the affiant, handed over my social security number. I, the consumer has reason to believe and do so believe ALL of my billing statements as well as ALL the amounts I have from NAVY FEDERAL CREDIT UNION is a billing error, pursuant to 12 CFR 1026.13 ( a ) ( 6 ). I, the consumer, has reason to believe and do so believe NAVY FEDERAL CREDIT UNION has my social security number on file which represents a credit card according to 12 CFR 1002.2 ( k ) meaning that when I provided my social security number my alleged credit card debt from NAVY FEDERAL CREDIT UNION has already been paid for. I also have reason to believe and do so believe pursuant to 12 CFR 1002.2 ( a ) my account with NAVY FEDERAL CREDIT UNION is a open end credit plan which means I, the affiant should not have to pay any alleged debt that NAVY FEDERAL CREDIT UNION claims that I owe. Lastly, according to my certified UCC Lien Search from the Secretary of State I, the consumer/debtor dont have any liens against me along with me not having any debt attached to me. You can perform a UCC 11 Lien search on me for this fact. This further proves that I, the consumer, doesn't have to pay this alleged debt that NAVY FEDERAL CREDIT UNION claims that I owe.
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that JPMCB have placed an inquiry on my XXXX and XXXX  credit file dated XX/XX/2020. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. I requested both JPMCB and XXXX  and XXXX to verify these inquiries. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to their alleged purpose, for doing so since I did not apply for employment with their organization nor did I request credit from their organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please update these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Pursuant to my rights under the provisions of Public laws 95 109 and 99 361, known collectively as the Fair Debt Collection Practices Act ( FDCPA ) and other state and federal debt collection laws, I formally notify you to cease all communications with me regarding this alleged debt or any other alleged debts that you claim I owe.