23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I see that the same accounts were erroneous. Experian and XXXX are required to authenticate these accounts. It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Please investigate the unverifiable accounts below : XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Balance Owed : {$10000.00}
Product: Checking or savings account

I signed up for XXXX credit card, first month bill was XXXX XXXX On XX/XX/2022 I did setup Autopay and on the same day I also paid Previous month balance manually. Again on XX/XX/XXXX same money XXXX $ was withdrawn from my bank, probably by autopay. Since payment was done twice, I was expecting it to be settled in next month statement. Next month and subsequent following months since XX/XX/2022 did not settle any money that was taken twice from my account, rather just received monthly balances in those months that I have been paying within due dates. I reported dispute with XXXXGoldman Sachs customer care via chat -phone on XXXX XXXX, XXXX They assured to resolve dispute and issue refund, initially I was told within 30 days and later they told it takes 90 days. I have all communications on my phone. 

My bank was charged twice for the payment in XXXX for the amount of XXXX on XXXX XXXX ( I paid one time ) then on XX/XX/XXXX or so by auto payI dont see that amount XXXX paid extra adjusted in following months statementsso filed dispute on XXXX XXXX Im yet to get back my money and today Apple/GS customer care executive on chat is saying resolution was done on XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 my credit was pulled by : CAPITAL ONE XXXX CAPITAL ONE XXXXXXXX, VA XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I discovered unauthorized accounts on my credit report during a recent review. Kindly remove these fraudulent entries, as they are obstructing my ability to obtain credit. These accounts are unfamiliar to me. 

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: Mortgage

Submitted a request for loan modification XXXX, 2024. 
Received acknowledgement of the application and committed response within 30 days from date of receipt XX/XX/year>. Thirty days from XX/XX/year> is XX/XX/year>, as of today, XX/XX/year>, it is now 60 days past the response timeframe. 
I have called TD Bank ( XXXX XXXX ) for updates weekly and continue to receive an excuse of the company is short of underwriters. 
I feel that this is a deliberate stall tactic and a blatant refusal to assist homeowners who are facing finanicial hardship.
Product: Mortgage

I am the Borrower on my loan and I discovered that Caliber Home Loans has been discussing and giving out information on my loan to an unauthorized party without my permission. The party actually tried to do a contract of sale without my knowledge with a co-borrower who released all of her rights to the property in a court action. I contacted Caliber today and they acknowledged who ordered the payoff XXXX XXXX XXXX, XXXX XXXX @ XXXX. 
I spoke to Caliber and then I learned that this company was on my account since XX/XX/2019 without my knowledge or permission. 
They have been hired by a person name XXXX XXXX who is not on the mortgage or the note. 

Caliber has no right to give out information on my loan and these people actually tried to have sale on my home without my permission. My mortgage is current paid every month on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the inaccurate accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX Balance : $ XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX  ( Original Creditor : XXXX ) 8720****Balance XXXX {$560.00} XXXX XXXX XXXXBalance : {$940.00} XXXX XXXX XXXX XXXXBalance : {$1000.00} XXXX XXXXBalance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$500.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX A ) XXXX Balance : {$900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 444796235337****Balance : {$1300.00} XXXX XXXX XXXXBalance : {$940.00}
Product: Debt collection

Ic systems never sent any debt verification to allow me to dispute as I have never had XXXX
Product: Credit card or prepaid card

Was on the phone with Capital One Credit Card Department after finding out my social security number has been compromised according to their XXXX and they also sent me a fraud letter. Both of my credit cards have been in good standing for many years until XXXX pandemic started - I did get sick for a while and their app kept showing me approved payments from autopay - received no notifications that stated otherwise or phone calls or notices in the postal mail. Like I mentioned earlier, XXXX showed a fraud later from Capital One stating that some unusual activity has been showing up on my account and online. Ok so I first called Capital One around XXXX XX/XX/2022 after checking my account and noticed that I owed like {$350.00} on each card for " non-payment '' and half of those were late fees per card so total would be about {$240.00} x XXXX cards = {$480.00} approximately " late '' fees. I spoke with XXXX ( badge # XXXX ) from the XXXX and she stated that " her system would not let her refund late fees '' and she wasn't from the fraud department but will get me down there to get the fees refunded. ( While I was on the phone I did make XXXX payments on both cards ) XXXX also stated she was not allowed to do a payment plan. (???? ) During the transfer, I was either hung up on or call disconnected. I called again and got to collections and spoke with XXXX ( Badge # XXXX ) and she stated that she could not do a payment plan (??? ) even though the account was closed due to fraud nor can she refund late fees regardless if there was a discrepancy on the account or app because when she tried, her system would not let her - I asked if she can transfer me to fraud department, she got me to a person named " XXXX '' which I believe wasn't even his name. XXXX said his badge number is XXXX from the XXXX and he was a " XXXX XXXX XXXX  XXXX '' and there was " no one higher up than him '' I asked for the corporate number or number of his XXXX in the XXXX main location for Capital One and he said " There isn't XXXX '' then he said " I can't give that to you '' I even asked for the CEO name and he even said " I can't give that information to you ''. 'XXXX XXXX was quite rude and said the website has the corporate phone number but he eventually got it for me when I asked again. There should be a law on the number of late fees allowed on the credit card, and a law on notices sent to dispute these late fees instead of the outsourced building that takes calls giving wrong information. My cards were in GREAT standing for at least XXXX years straight until this incident. I went on the internet before sending this to find out contact information on the CEO then coincidently I found out that there was an article XXXX XXXX XXXX about even the CEO violating anti-trust laws on the month of XXXX which is the SAME day my account stated it was having issues, I can't even find a company to trust with compassion and integrity when it comes to lending. I would like a refund of these late fees due to fraud and a payment plan to pay off the remaining balance so I can pay it off and never deal with them again!!!!
Product: Debt collection

I spoke wit h Oliphant Financi al on  XXXX , I tried calling for 3 days so I finally left a message on  XXXX  and they called me back. I spoke to them about paying {$100.00} on my bill and they said yes, and I set up {$100.00} payments through  XXXX . They took it upon themselves to take {$300.00} out of my account and I am stuck in North Carolina when I live in california and am suppose to leave tomorrow. My bank can not do anything at this time and oliphant financial closed before their designated time. I am very upset that they just helped themselves after stating on a recorded line that {$100.00} was the only authorized total that was suppose to be taken out of my account. I did not authorize {$300.00} after the {$100.00} was the authorized.
Product: Credit reporting or other personal consumer reports

I recently discovered that CAPITAL ONE has reported inaccurate information to the credit reporting agencies. This erroneous reporting has not only damaged my credibility but has also caused significant financial and emotional distress. 

According to the regulations outlined in the 15 U.S. Code 1681s2, furnishing inaccurate information to consumer reporting agencies is strictly prohibited. CAPITAL ONE has a legal responsibility to ensure that the information they provide is accurate. However, they have failed in this duty. 

CAPITAL ONE has reported a debt as part of my credit history, which is inaccurate. As per the guidelines of the Internal Revenue Service ( IRS ), canceled debts should be reported as gross income on tax returns and not as debts on consumer reports. Therefore, the reporting of this account as a debt is incorrect and goes against the established regulations. 

As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 

By Definition The IRS Clearly says a Canceled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. 

Furthermore, I have not received a Form 1099-C from CAPITAL ONE, which is required if the canceled debt exceeds {$600.00}, as per the IRS guidelines XXXX This form is crucial for accurately reporting taxable income. 

I am deeply disturbed by this incident and the impact it has had on my financial well-being. I am taking steps to rectify the situation and ensure that my credit report reflects accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I have requested to be opted out from this company reporting of my nonpublic personal information ( 16 CFR 313 ) to any XXXX  nonaffiliates per XXXX XXXX XXXX and the XXXX XXXX XXXX XXXXXXXX. Also per XXXX publication, a charged-off is considered a certificate of indebtedness and has to be reported as income. Income can not be reported on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : INQUIRY : XXXX XX/XX/year> : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> : As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried writing them to correct the errors on my report or remove the inaccurate tradeline if they're unable to truly validate the information. I have copies of FCRA violations going back almost a year. And all I get from the CRA is Verified as Accurate, and their letters saying they will not investigate this anymore. But clearly anyone can see from the reports pulled from XXXX XXXX XXXX, XXXX, XXXX XXXX, AND the XXXX XXXX  itself ALL have incoherent information. I even sent them copies and ask how did they verify, and I got their same response, Verified as accurate, or meets FCRA requirements. I don't think the FCRA allows blatant account errors across all 3 bureaus, considering they ARE contacting the source, they should get the same info right? I have files for proof of the violations, and proof they've dismissed them for months.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  Account # XXXX, and XXXX  Account # XXXX has violated my rights. 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of the competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. Under Article 9 of the Uniform Commercial Code ; debts from a debtor to a creditor must a UCC filing ; on the security interests of statutory liens.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged the following items showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; US SM BUS ADMIN ODA XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

My Name is XXXX. While I attended school at the College of XXXX I took out XXXX loans from XXXX. These Loans later got transferred over to Navient. Over the course of the years I have been trying to pay back my loans. Even using federal loans to pay off private loans due to very high interest in the private loans. I successfully was able to pay off XXXX of the XXXX private loans resulting in approximately XXXX dollars including XXXX dollars in interest. I have XXXX more private loan with Navient from College and now federal loans I took out in order to complete my XXXX in XXXX From XXXX University. 

My last loan with navient was of XXXX dollar and with the accrued interest of 10.5 % it has increased to over XXXX dollars since XX/XX/XXXX. Over the past months and as recently On friday XX/XX/XXXX I called Navient asking for a deduction in my interest rate in order to make the payments manageable. At this point I am losing XXXX dollars a month in just interest alone. I explained to the customer service agent named XXXX ( XXXX ) that I am an expecting mother XXXX in XX/XX/XXXX willing to pay back my loans but I need to refinance my loans to a lower interest rate. in order to be able to survive. He explained to me I am on deferment until XX/XX/XXXX and I do not need to make any payments. I explained to him that my XXXX date firstly is on XX/XX/2017 not XX/XX/XXXX and also that regardless the fact that I do n't need to make any payments my interest is accruing and now I am an expecting mother. He was unable to offer any resolution to my problems and unwilling to help me with refinancing to a lower interest rate. After explaining to him that this is unfair and making him aware that I know Navient is in a lawsuit and there practices are not helpful to americans he provided a glimpse of help. He reported that yes Navient has refinance to even as low to 1 % interest after that students submit to financial assessment ones my school reports I am XXXX in XX/XX/XXXX not XX/XX/XXXX. I explained to him why do I have to wait for my school to report to them I am XXXX next month while I am telling him now. I asked why not perform the financial assessment now as oppose to next month but he was unwilling to help any further. 

I find the practices of navient to be unlawful and hurtful to myself an all americans. Because of Navient loans I am unable to move out of my boyfriend parents house as I a can not help with rent. Navient has trapped me with high interest rates that even as I try to make monthly payments I finally feel that I have to give up. I can not keep up with the interest rates especially with a baby on the way. Navient also admittedly prefers to keep me in deferment in order to just increase my interest rates. I am upset that I they are not unwilling to help me with decreasing my interest rate to my loans. I explained to Navient that they already won and I am expected to pay back over XXXX dollars of interest on all my loans but the are still unwilling to help. At this point I give up and I hope that you can help. I can no longer continue to pay Navient especially now that I have a baby on the way,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is reporting this account on my credit report. They have re-aged the date of last activity and is reporting the date of last activity as XX/XX/2021. under FCRA 605 ( C ) running of the period it is a consumer protection under the FCRA VIOLATION to try and re-ag an account by updating the date of last activity on my credit repot in hopes of keeping negative information on my account longer. this violation is sueable by XXXX in fines. 


i have uploaded my credit report for XXXX, XXXX and XXXX. in all three reports they have constantly re-aged the date of last update.
Product: Mortgage

I am a Combat Veteran with a XXXX under the 1st prong of the American with Disabilities Act ( ADA ), U.S. Code Title 42, Section 12102 ( 1 ) ( A ). see : https : //www.ada.gov/law-and-regs/ada/ # top : ~ : text=The % 20term % 20 % E2 % 80 % 9Cdisability, of % 20such % 20individual % 3B and I have made this known to Navy Federal numerous times XXXX My ability to speak, concentrate, think, and communicate are impaired ( Title 42, Section 12102 ( 2 ) ( A ), see : https : //www.ada.gov/law-and-regs/ada/ # top : ~ : text= ( 2 ) % 20Major % 20Life, communicating % 2C % 20and % 20working. ) <p> Navy Federal Credit Union ( hereafter, NFCU ) is a public accommodation as defined under ADA Section 12181 ( 7 ) ( f ), continues to refuse to communicate in any manner accept voice telephone calls. See : https : //www.ada.gov/law-and-regs/ada/ # subchapter-iii -- -public-accommodations-and-services-by-private-entities-title-iii : ~ : text= ( 7 ) % 20Public % 20accommodation, entities % 20affect % 20commerce <p> NFCU 's " failure to make reasonable modifications in policies, practices, or procedures, when such modifications are necessary to afford such goods, services, facilities, privileges, advantages, or accommodations to individuals with disabilities, unless the entity can demonstrate that making such modifications would fundamentally alter the nature of such goods, services, facilities, privileges, advantages, or accommodations '' is a form of discrimination, violating the ADA. See : <p> 1. ADA Section 12182 ( b ) ( 2 ) ( A ) ( ii ) https : //www.ada.gov/law-and-regs/ada/ # subchapter-iii -- -public-accommodations-and-services-by-private-entities-title-iii : ~ : text= ( ii ) % 20a % 20failure, advantages % 2C % 20or % 20accommodations % 3B <p> 2. ADA Section 12182 ( b ) ( 2 ) ( A ) ( iii ) https : //www.ada.gov/law-and-regs/ada/ # subchapter-iii -- -public-accommodations-and-services-by-private-entities-title-iii : ~ : text= ( iii ) % 20a % 20failure, an % 20undue % 20burden % 3B <p> Navy Federal Credit Union has blocked my ability to make electronic mortgage payments, will not accept payment at an ATM, or a physical branch, and has not repaired their online messaging system, nor do they provide a means to reach them via email or chat. 
<p> ADA Section 12201 ( f ) precludes NFCU from requiring me to communicate with them via phone. See : https : //www.ada.gov/law-and-regs/ada/ # subchapter-iii -- -public-accommodations-and-services-by-private-entities-title-iii : ~ : text= ( d ) % 20Accommodations % 20and, not % 20to % 20accept. 
<p> I just want to make my delinquent mortgage payments.