23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am submitting this complaint against Navy Federal Credit Union ( NFCU ) for violations of my rights under federal laws, specifically : Failure to Validate Debt as Requested : Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I have the right to request validation of a debt, and I never received a notice of collection. I submitted formal written affidavits requesting validation of the debt in question. Despite multiple requests, Navy Federals customer service and collections department have failed to validate the debt and instead continue to address my affidavits improperly.

Refusal to Issue IRS Form 1099-C : Navy Federal has charged off All credit card accounts but refuses to issue a 1099-C ( Cancellation of Debt ) as required under the Internal Revenue Code, Section 6050P.

A creditor is obligated to issue Form 1099-C when a debt of {$600.00} or more has been canceled or charged off. 
Their refusal is preventing me from fulfilling my tax obligations and understanding the true status of the debt. 
Unfair Application of Funds ( Right of Setoff ) : Navy Federal has taken my available funds and applied them to the charge-off account without my consent. While I understand financial institutions may invoke the Right of Setoff, I dispute this action as unfair and deceptive due to the unresolved status of the debt.

Lack of Acknowledgment by Legal Department : I submitted affidavits directly requesting resolution and acknowledgment by Navy Federals legal department. Instead, these communications are being mishandled by customer service and collections departments, delaying appropriate resolution.

My affidavits sent to Navy Federal are attached Correspondence with their customer service and collections departments are attached Proof of Navy Federal Credit Union actions regarding the charge-off account.
Product: Debt collection

I recently reviewed a copy of my credit report and seen there were some accounts that are not mines and will need them removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below : Additionally, I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to ARS Account Resolution # XXXX, # XXXX, XXXX XXXX # XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than is to only be revealed with the patients authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPPA authorization. 1.Please provide breakdown of fees including any collection costs and medical charges. 2. Provide a copy of my signature with the provider of service to release my medical Information to you.
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX, i wrote to THD/CBNA in reference to their reporting on my credit report and put them on notice about them continuing to report activity on a closed/charged off account which is CONTINOUSLY causing damage to my credit. This per said account charged off for loss in XX/XX/XXXX. From the IRS website it states that whenever a account is charged to profit or loss/closed reporting must CEASE from that date and no more than 90 days you must report the date of first delinquency that led to the default and that date is to be considered the commencement date of default. This account states CHARGED OFF AS BAD DEBT and has still reported XXXX which credit bureaus refer as CHARGED OFF. An account can only charge off 1 time. The reporting of XXXX after the closed date shows inaccuracies and should be removed IMMEDIATELY for not complying with Section 623 15 USC 1681a as this has caused me to not get qualified for a home mortgage. Also when an item is wrtten off for loss, the company notified the IRS that the debt was considered a loss, but to date I have yet to receive a 1099c form to be able to notify the IRS that the debt was written off and I can report it for income. The company has failed to meet he obligations of the IRS and has me feeling as if Im committing tax fraud right along with THD/CBNA. Please help me resolve this matter as I have put them on NOTICE 2 times before and now I will be seeking STATUTORY and PUNITIVE damages for their negligence
Product: Mortgage

My Mortgage company believes that I paid my XXXX payment late. I paid for it on XX/XX/2021. I do not see the payment as late but they say it was returned on XXXX XXXX, 2021. I do not see that it was returned on my side. If the payment was returned, it was due to unforeseen circumstances due to COVID 19 and unexpected associated costs due to illness and family expenses. The loan company says the loan was eventually paid in XXXX. There have been no late payments since then. The loan company is Caliber Home Loans.
Product: Credit card

U.S. Bank appears to have finished disputing the incorrect charges, something I've informed them of in writing numerous times prior to them completing it, and the subject of complaint XXXX. A complaint they haven't responded to. I have since sent them detailed itemized lists of the charges that need to be disputed, including all order numbers and purchase details, and pointing out where they gave me money while searching for appropriate delivered items to claim I disputed. I offered to do this during the initial phone call but was told it wasn't allowed ( recorded ). I find it hilarious and ironic that in an effort to accuse me of fraud, they gave me credits for items that arrived. They seemed to stop trying when I sent them all the relevant order confirmations and tracking showing they were disputing the incorrect charges and those that needed disputes. You can tell they decided what they were going to try and cheat me out of beforehand, because that's the balance they reported to the credit bureaus on XX/XX/XXXX when my balance was - {$7000.00}. Then they reported {$0.00} on XX/XX/XXXX when my balance was - {$1600.00}. They appear to have spent XXXX making adjustments to get my balance slightly above XXXX $ come XXXX when they reported my account closed a month prior. The balance as reported to the credit unions on XX/XX/XXXX does not match the balance I screenshotted on XX/XX/XXXX. It is also too high given the retailer credits I received afterwards. It has since been adjusted after numerous complaints to various organizations, but is still to high. They appear to be ignoring the dispute communications. I will be submitting disputes to all three credit bureaus by weeks end if they do not respond. I retain all communications to and from them to include recorded phone calls.
Product: Student loan

Hello, I was asked by Nelnet to recertify income to continue my eligibility for the SAVE IDR. Ive done so on studentaid.gov. They are now asking for additional information like a paystub to show recent proof of income. I recertified on the government website because they asked me to. Now that doesnt seem to be good enough and they want other information besides my AGI . Should they be requesting that information? I was reading online where other people submitted such information to them and they used that to increase the monthly payment amount greatly instead of using the payment plan generated by a borrowers most recent AGI. That was never requested when Great Lakes was my servicer. The recertification process was also seamless by giving studentaid.gov access to my most recent W2 on the IRS website. This time around it was buggy and said my servicer would choose my repayment amount. Based on my experience and the experiences of what other users shared online, this seems very unorthodox. Has the government process changed? If not, I want to make sure someone has reported Nelnets behavior. This change in practice has the potential to make the repayment process even harder on borrowers. If the government only requires AGI to calculate SAVE payments, the government appointed servicer shouldnt be requesting anything else.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found several items on the report that are inaccurate. The accounts in question are listed below. I sent letter off on XXXX XXXX ; I told the credit bureaus to investigate every piece of information on the accounts I have listed below. Also, I have attached the letter I sent out and here. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Please provide me with a copy of an updated and corrected credit report showing these items removed. 
I demand the following accounts be verified or removed immediately. 
Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 

On removal of the above noted accounts please provide me with a copy of an updated and corrected copy of my credit report showing that these accounts have been removed. Thanking you in advance for your anticipated quick co-operation on this matter. 
Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

my idendity was stolen and someone opened up fraudulent accounrts in my name.Im extremely confused on how someone was able to get my information amd do that in my name. XXXX XXXX  account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i also have 8 fradulent nquiries on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
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 XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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 fraudulent address reporting on my credit report 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: Credit reporting, credit repair services, or other personal consumer reports

Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect. 
Information in the Credit Report Published as Company Info : XXXX XXXX XXXX  Account No - XXXX 1. Past Due- {$900.00} 2. Last Payment XX/XX/XXXX XXXX. Account Verified XX/XX/XXXX I already contacted the Company on the Account and received inaccurate response. 

In Accordance with the Fair Credit Report Act this account violated my rights.

15 U.S.C. 1681 Section 602 A 1 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. 

Kindly delete the account. 

Thanks XXXX XXXX
Product: Credit card or prepaid card

My Statement balance {$2100.00} Minimum payment due {$240.00} Payment due date XX/XX/2022 Amount to avoid Standard and Deferred Interest on your next statement* {$2100.00} My account is negative from fraudulent activity. I need the credit company to work with me to resolve this.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX starting reporting a collection account on XX/XX/XXXX showing a balance due of {$58.00} from XXXX XXXX. This balance was never disclosed to me and it was supposedly for an account that was closed approx 10 years ago. I have the right to be notified if any financial institution submits, or plans to submit, negative information to a credit reporting agency. This information may be included in a billing statement or a notice of default.This account was too old to be reporting on my account to begin with. I have the right to have outdated information removed. 

I have previously disputed these accounts and requested validation, no documents have been provided to validate the account, no response was received in a timely manner, and there continues to inaccurate information being reported. XXXX XXXX never provided any form of debt validation. I have the right to accurate reporting. If the inaccurate information can not be verified, the consumer reporting agency has a responsibility to remove it. 

In XX/XX/XXXX, I was in the process of obtaining a loan and this one small collection was hindering my ability to obtain the loan. The lender wanted the collection paid. Even though I didn't agree that this debt was mine, I paid the {$58.00}. 

This collection account in still reporting to XXXX and Experian credit bureaus. XXXX has removed the collection from my report due to inaccurate information. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX Acct # 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. 

Fair Credit Reporting Act states that any inaccurate information that is being reporting must be removed completely and may result in fines of up to {$1000.00} per violation, as well as punitive damages. XXXX XXXX has shown negligence in their reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had one account with XXXX XXXX XXXX  which was in great stands by the way since XXXX. I received and alert equifax, XXXX XXXX and XXXX XXXX  from my credit report stating my loans were paid and full 100 % of {$27000.00} and the account was closed XX/XX/XXXX. Then a week later I received another alert about dept of education XXXX who is a debt collector. They told me XXXX gave them my infomation ( without my consent ) or notifying me and that i should reach out to XXXX XXXX and I did so. XXXX XXXX said that my account was in great standing per the woman XXXX and hung the phone of because i ask her for a paid in full paper due to them reporting it to my credit report. then stated the account was closed paid and full. still never told me that they transfer my account collector without my consent. You can not settle federal student loans or private student loans that are in good standing. With both federal and private loans, a student loan settlement doesn't become an option until you enter loan default. My student loans were not in default. I was not notify of anything no via mail, via email, via phone. This matter had really. XXXX report 9 account of student loans account to my credit report that all have the same account number. XXXX reported all to my XXXX This matter has put me in a deep XXXX. I did not consent to any of this matter and will be reporting this to the FTC XXXX XXXX {$0.00} paid % in full DEPTEDXXXX XXXX {$5300.00} XXXX {$4500.00} XXXX {$1200.00} XXXX {$4600.00} XXXX {$2200.00} XXXX {$2000.00} XXXX {$3500.00} XXXX {$3900.00} XXXX {$1900.00}
Product: Credit reporting or other personal consumer reports

The above account does not belong to me I am a victim of identity thief Under 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these terns IMMEDIATELYI These accounts should not be furnished on my consumer report as they are in VIOLATIONI1! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agerxy may furnish a consumer report under the following circurstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates, I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer, NO CONSENT IS IDENTITY THEFT, As a copy in demanding the deletion of
the accounts listed IMMEDIATELYXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

These late payments do not align with my usual payment pattern.
Product: Credit card or prepaid card

i did received a check XXXX on XX/XX/2017 at that time i was moving from XXXX to XXXX, the check was for a refund of over payment, and the check got lost. Later I close my account with XXXX balance. since then i try many time calling capital one, they put an hold and promise to re issue a new check, every time they wan na verified my address, & i have to wait couples of weeks to received a new one and never received any new check.
Product: Mortgage

I am unfortunately a Mr.Cooper customer as I was bought up by them. I was having issues paying my mortgage due to the status of the economy as of XX/XX/XXXX I had send over XXXX XXXX to get out of foreclosure status and only XXXX owed. Also refused to take payments in XXXX when I wasn't in a foreclosure status I was told by an individual named XXXX that I could do a modification. I applied in XXXX They led me on till XX/XX/XXXX when they said I couldnt as my account was never able to be modified. They offered me a forbearance plan which I quickly declined. My mortgage was raised too much and can not afford XXXXXXXX XXXX XXXX. They said the only thing I can do is apply to the XXXX XXXX XXXX for payment assistance. They refuse to help me thougher and are now sending threats via secure email.
Product: Credit card

Here are the pertinent facts, I recently obtained a copy of my credit report from myannualcreditreport.com, I have found numerous upon numerous problems and discovered identity fraud has been committed in my name. 

XXXX XXXX, my social security number is XXXX, my date of birth is XX/XX/XXXX. Contents of this complaint : This CFPB complaint has been filed in pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) that you, XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card opened at Best Buy on XX/XX/XXXX, unknown account number ; XXXX XXXX XXXX {$140000.00} ; the XXXX XXXX  XXXX XXXX XXXX XXXX account number XXXX unknown amount charge off ;, XXXX XXXX XXXX XXXX  opened XX/XX/XXXX account XXXX XXXX, The XXXX- XXXX XXXX ;, opened XX/XX/XXXX, Department of education/XXXX  account opened XX/XX/XXXX account XXXX XXXX XXXX XXXX XXXX  XXXX Bankruptcy dated XX/XX/XXXX, XXXX XXXX Bankruptcy XX/XX/XXXX, XXXX  XXXX bankruptcy dated XX/XX/XXXX. There are a plethora of incorrect names, addresses in which I never lived, a massive amount of hard and soft inquires outlined on the next page NOT made by me. 

These accounts have resulted in many hard inquires and fraudulent soft inquiries appearing on my consumer XXXX credit report. I have attached a list of both the soft and hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT recognize the aforementioned accounts, collections, hard and soft inquires, addresses and names which I have never used. The aforementioned accounts, collections, and hard inquires appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, hard, soft inquires, bankruptcy filings, and other information are the result of identity theft and fraud. I have attached copies of the FTC identity theft criminal complaint # XXXX XXXX, & XXXX as proof from the US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, mortgages, student loans, soft/hard inquires, names, addresses are all the results of identity theft and fraud.
Product: Checking or savings account

XXXXXXXX XXXX  says that my proof of income was photoshopped and for that reason I could not be given a checking account. 

I did not submit any fake information, and also XXXX did not provide any information on how they came to a decision that my documentation was photoshopped. 

I have provided information to prove who I am and they still shut down my account. This organization is a discriminatory lender and discriminates against people based off their race, age, culture, and religion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax XX/XX/2018 to talk to them about some inquiries that are showing up on my credit report that were never initiated by myself as well as a bankruptcy that I have no knowledge of. I was told that they would not be removing them and refused to even investigate on my behalf. Under FCRA I have the right to correct information on my report and wish to file a complaint because they refuse to even investigate or remove these items. I have not applied for credit and wish for these items to be removed as they are effecting my score negatively.