23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I am writing this complaint on behalf of my mother. Someone secured my XXXX year old mother 's banking Capitol One Bank checking account and routing numbers ( and probably her social security number ) beginning XX/XX/XXXX. Beginning XX/XX/XXXX to XX/XX/XXXX some individual made a series of fraudulant Automatic Clearing House ( ACH ) credit and debit withdrawals and ACH '' bill pay '' through XXXX to for a total of {$44.00}, XXXX! The individual by the name of " XXXX XXXX '' routinely raided my mother 's checking account beginning with small amounts that escalated to large amounts from XX/XX/XXXX until the account was drained by XX/XX/XXXX. 

My mother recieved an overdraft notice on XX/XX/XXXX from Capital One, NA, ( located at XXXX XXXX XXXX, XXXX, MD XXXX ) indicating that her account was overdrawn for 10 days. In response to the letter from the bank my mother went to the bank in person. 

At that time she was asked a series of questions by several " fraud inverstigators '' from Capital One. They said that their investigation would take 10 days. Over the next several days my mother a number of attempts to contact the bank branch manager, XXXX XXXX XXXX by telephone. Each call was met with " we 'll take a messge for XXXX . XXXX. '' However, those calls were not returned. I decided it was paste time to visit the bank with my mother. XXXX XXXX printed out a list of ACH tranasctions We were assured my mother 's money would be restored after an investigation was completed. We then closed the old accounts ( bothe checking and savings ) and opened new ones. We signed up for online banking so that I could view and track her accpounts. 

On Satuarday, XXXX my mother recieved a letter from a XXXX XXXX XXXX which stated that my mother 's claim was " denied because the documentd from the Merchant showed that the ACH transactions were valid. '' I called the telephone number on the letter to discuss their " decision. '' I learned that the fraudlent ACH transaction were comitted through XXXX XXXX bank whose position was that the transaction were valid. Time after time ACH transaction were made to XXXX by XXXX XXXX By taking this position XXXX XXXX can essentially stops any furher invetsigation by Capitol One Bank. This is a sweetheart agreement for culpable banks which allows them to maintain no fraud to occur. It is as if neither bank contributed to the other 's negligence. A Capitol One Bank employee suggested that my mother authorized the use of her account. My mother never authorized anyone to access her accoun! Do these banks have any internal control in place to provent this type of fraud. Apparently not! Every step of our inquiry with well rehearsed pablum. So the bottom line is my mother money is simply NOT SAFE IN THIS BANK. I truly beleive that they were counting on confusing a XXXX year old woman. I firmly believe that these banks deny XXXX % of all claims valid or not. The bottom line is teh only thing they care about is money. it simply begins and ends with mantra.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Oportun/webbank XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX ) XXXX Subject : Dispute of Charged-Off XXXX Dear, oportun/webbank and the cfpb I am writing to formally dispute the charged-off account referenced above. I have noticed that this account was charged off on XXXX XXXX XXXXXXXX, and I have not received a Form 1099-C for the discharged debt. 
It is my understanding that, when a debt is charged off and claimed as a loss, the creditor is required to provide a Form 1099-C to the debtor for tax reporting purposes. The absence of this form raises concerns about the accuracy of the reporting of this account and the tax implications related to it.

To resolve this matter, I kindly request the following : Verification of the debt, including details of the original agreement.

A copy of the payment history associated with this account.

An explanation as to why a 1099-C form has not been issued for this charged-off debt.

Under the Fair Credit Reporting Act, I have the right to dispute any inaccuracies in my credit report. Please investigate this matter and respond in writing within 30 days. If you can not verify this debt or provide the necessary documentation, I request that you remove this account from my credit report. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Product: Debt collection

I have received regularly letters from LVNV about a debt that I do not recognize and it is hurting my credit report. The letters indicate it is already past the statute of limitations and yet it still shows and hurts my report. They never made me aware of the fact that I could dispute this debt and have it removed from my report.
Product: Payday loan, title loan, or personal loan

There appears to be a discrepancy in my loan contract vs my actual payment schedule. I paid extra toward this loan and my payment amount has not gone down. To date I have paid {$450.00} on a {$500.00} loan.
Product: Checking or savings account

I opened an account with Fifth third bank, XXXX XXXX, XXXX in XX/XX/2010. When I opened the account, I was told by fifth third bank that this is a free account and I don't have to pay any monthly or annual fee. Things were working great for almost four years. After four years, I moved to small town in XXXX, Where they don't have fifth third bank. Therefore, I had to open an account in different bank. I was trying to close my account and take all my money out, before I move out from XXXX XXXX, XXXX. I called their customer service and they convinced me to keep open the account. It's safe to have two bank accounts. They also confirmed me that there won't be any monthly or annual fee, Since I have been their customer for 4 years. I kept open the account. Last week, I received a call from fifth third bank and they told me I have negative balance on my account. I told them, when I left XXXX XXXX, XXXX, I had approximately {$3000.00} on my account. How could it be negative? They told me, I was being charge their monthly service fee of {$11.00} every months. Two days later, I called their customer service and they hung up my phone three times. Third time, I was able to talk to their supervisor and he said he can only see my account history for last 12 months and there is nothing he can't do refund money. I asked him whether I could talk to their upper management and get this issue resolved. He said he's not going to brought up this issue to upper management. Then he hung up. I'm extremely shocked and disappointed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and nelnet is reporting inaccurate student loans on my credit profile. I have addressed this issue with them on numerous of occasions and they are refusing to resolve this isssue. This matter is causing my credit to plummet and I am being denying for everything Im applying because of XXXX and XXXX inaccurate reporting. Below I have attached proof that XXXX and XXXX are reporting inaccuracies across the board on serval student loan accounts. XXXX, XXXX, and Nelnet is also reporting. XXXX and XXXX are reporting different account status, date opened, last reported, comments, and date last active on all the student loan accounts in question. There is also a duplicate account for each student loan account, the duplicate accounts are reporting a different high limit under the same account number. The XXXX credit bureaus are falsely claiming the accounts meets FCRA guidelines but they clearly DO NOT. FCRA website states that all information on accounts must be the same across the board and must meet FCRA guidelines. XXXX has atleast deleted these inaccuracies and XXXX and XXXX must follow suit. I am asking for reputations of {$1000.00} dollars for this violation of my consumer rights. I have attached proof of all accounts and every inaccuracy that the bureaus are reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two different hard credit inquiries have been submitted by an unknown person and without my authorization. 
The first one was submitted in XX/XX/XXXX by a company named Factual Data. 
XXXX XXXX XXXX XXXX, Georgia XXXX ( XXXX ) XXXX A second hard credit inquiry was made in XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX I have not apply for any loans, credit cards, or have authorized any credit inquiry.
Product: Mortgage

Previous filed complaint # XXXX. Company responded to inquiry but when cause of problem was discovered to be different than complaint, company was not required to do anything other than what was submitted on complaint. therefore filing new complaint in attempt to resolve situation. 

My previous mortgage company was XXXX XXXX. I made a scheduled payment to XXXX on XXXX 2014 ( exhibit XXXX ). 

In XXXX of 2014 Nationstar purchased my loan. Nationstar said they did not show a payment being received for XXXX. Nationstar also reported that XXXX ( previous Lender ) had applied a charge of {$390.00}. 
Nationstar supplied requested financial history from XXXX that showed {$500.00} payment being received and did not show a {$390.00} fee. ( Exhibit B ) Nationstar then reported that only a partial payment had been received. ( Exhibit XXXX ) Nationstars requested financial history shows no partial payment, but does show the {$390.00} previous lender charge as well as multiple charges for inspections and late fee. ( Exhibit D ) I have contacted every representative they have sent me contact info for since XXXX of 2014 and have left approx XXXX voice mails for these representatives and have only been contacted XXXX ( XXXX ) time. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. 
( Exhibit E-H ) Nationstar continues to place flyers on my door imploring them to contact them and threatening foreclosure, but then refuses to return my calls. ( Exhibit I ) I had a contract with XXXX XXXX to pay back taxes from XXXX to XXXX of 2014. This put my payment amount at {$500.00}. I paid this amount in full. ( Exhibit J ) My current payment is now {$240.00}. I have been paying these amounts correctly and timely against the recommendations of Nationstar representatives when I call in to pay. 

I have made every payment I am required to make to both XXXX and Nationstar on time. On XXXX separate occasions Nationstar refused to take my payment because it was not the amount that they said was due. I am and have been paid up to date on all of my contractual obligations and yet Nationstar continues to try to force me to pay inspection fees and late fees as well as an mystery {$390.00} fee that they can not explain. Nationstar is trying to foreclose on my home because it has equity. Their claimed late payments has damaged my credit. 
I am requesting and imploring for some type of assistance against this criminal activity.
Product: Credit reporting or other personal consumer reports

Navy Federal Credit Union XXXX XXXX XXXX XXXX, VA XXXX Subject : Second Dispute Regarding Inaccurate Credit Reporting To Whom It May Concern, This is my 2nd dispute pertaining to the inaccurate reporting of information in my credit report, specifically related to my XXXX XXXX XXXX XXXX account. While I appreciate your previous response dated XX/XX/year>, I must reiterate that the reported late payment is inaccurate and request further investigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ).

Basis of the Dispute 1. Billing Statement and Notification Discrepancies According to your response, the statement for the payment due on XX/XX/year> was included in the billing cycle ending XX/XX/year>. This overlap raises concerns about whether the statement was issued with adequate notice as required under Regulation Z, 12 CFR 1026.5 ( b ), which mandates creditors to deliver periodic statements at least 21 days before a payment due date. If the statement was not sent in compliance with this requirement, the late payment reporting is invalid.

2. Inadequate Investigation Under the FCRA, 15 U.S.C. 1681i ( a ) ( 1 ), creditors are required to conduct a reasonable investigation upon receiving a dispute. Your response failed to address whether the statement was delivered timely or if technical or mailing errors occurred that might have caused delays in me receiving the required notice. 
3. Evidence Supporting Timely Payment I maintain that no payment notification was provided by the due date of XX/XX/year>. As a result, I was unable to submit payment on time. This situation highlights a potential failure on your part to notify me appropriately, as stipulated by law. 
Action Requested I kindly request that Navy Federal Credit Union : 1. Provide evidence that the periodic billing statement for the cycle ending XX/XX/year> was sent in compliance with Regulation Z requirements, including mailing dates and delivery confirmation.

2. Reinvestigate the circumstances leading to the reported late payment and remove the negative item from my credit report if compliance can not be demonstrated.

3. Confirm in writing the results of your investigation and, if applicable, provide an updated account status to all relevant credit reporting agencies. 
Failure to correct this error could constitute a violation of the FCRA, which protects consumers against inaccurate credit reporting. I reserve the right to escalate this matter, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory bodies, if my concerns are not adequately addressed. 
I look forward to your response within the 30-day timeframe, as specified under the FCRA.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Formal Dispute Regarding Late Payments on XXXX  XXXX Account Dear CFPB, I am writing to formally dispute inaccuracies in the reporting of late payments on my XXXX  XXXX account, as reflected in your records. This is my second dispute regarding this issue, and despite my previous submission, no corrections have been made. I kindly request that you re-investigate this account in accordance with the Fair Credit Reporting Act ( FCRA ). 
Reason for Dispute The reported late payments for this account are inconsistent with my records, which show that I have consistently made payments on time. Specifically, the reported XXXX, XXXX, and XXXX late payments reflected in your records ( XXXX instance of XXXX  days late, XXXX instances of XXXX  days late, and XXXX instances of XXXX  days late ) are incorrect. I have attached supporting documentation, including account statements and a detailed payment history, proving my timely payments. 
Evidence of the Error I have reviewed my payment history thoroughly, and it demonstrates the following : All payments were made on or before the due date. 
There is no evidence of late payments in my account records. 
My previous dispute outlined the same inaccuracies, yet your records remain unchanged. 
Request for Investigation As mandated by the FCRA ( 15 USC 1681i ( a ) ( 1 ) ( A ) ), I request a thorough investigation of this account. Additionally, I am requesting the following : A detailed description of the investigation process you followed for my previous dispute. Per 15 USC 16811 ( 7 ), you are required to provide this information within XXXX  days of my request. 
Proof supporting the claim of late payments on this account, including dates, amounts, and any relevant communication. 
If you can not verify the accuracy of the late payments, I demand that the account be promptly updated to reflect its correct status : Paid As Agreed Never Late. 
Reference to Legal Obligations Under the FCRA, credit reporting agencies must ensure the accuracy of all reported information. Additionally, per 15 USC 1666 ( b ), creditors are required to mail periodic statements at least XXXX  days before payment due dates. I demand evidence that these obligations were met. 
Resolution Timeline Per the FCRA, you must complete your investigation and provide me with a written response within XXXX  days of receiving this dispute. Failure to comply will constitute a violation of federal law. 
Supporting Documentation Enclosed, you will find the following : A copy of my Social Security Card for identification purposes. 
A copy of my government-issued photo ID ( Drivers License/Passport ) to verify my identity. 
A copy of my credit report highlighting the inaccuracies. 
I expect prompt action to rectify this matter. Your cooperation is essential to maintaining the accuracy and fairness of my credit report. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian, XXXX and XXXX are reporting a debt that does not belong to me. This debt is for an address Ive never ever lived at. See attached copy of my id that reflects my current and complete correct address
Product: Credit card or prepaid card

Dear CFPB, In XX/XX/XXXX, we began closing any credit lines ( store ) that we did not need as we were purchasing a new home. 

We called Comenity Bank/XXXX to close the account. 

We asked for full balance to close the account. 

We made payment on XXXX-PAYMENT - THANK YOU -- {$420.00}. 

We paid the full balance above and requested the account be " closed ''. 

XXXX assessed a late payment in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX along with late fees charges and amounts. 

We called XXXX. They apologized and issued a letter on XX/XX/XXXX stating my account was current and there should be no late fees reflected on my account or credit agencies. See below. 

Nonetheless, my credit score has dropped 50 points right before we were buying a home and it significantly impacted our ability to buy the house via credit bureaus We lost the opportunity to buy the house. I am so upset and frustrated and want to report the behavior of this creditor and feel they owe me compensation for losing the house, ruining my credit history/score and taking significant time away from my job & career to fix this problem which is still showing as " late '' in the three bureaus -- Commenity Bank/JXXXX. What else can I do to fix my credit and file a complaint against this Bank. It is not fair and I do not have an power to fix this problem. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Page 1 of 2 Send Correspondence To Comenity Bank XXXX XXXX XXXX XXXX, OH XXXX All Bankruptcy Notices/Related Correspondence To XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX Account Ending In : Dear XXXX, This letter contains important information regarding your J Crew credit card. Comenity Bank issues your XXXX XXXX credit card and we handle all account-related requests. 
We understand there was a concern regarding your credit report, which reflected a delinquency in the month of XX/XX/XXXX on your XXXX XXXX account. 
To address the concern, we have updated our records to show this particular month as current. We have notified the credit reporting agencies of the update that needs to be made to your credit report. Balances are subject to change and any updates will reflect on your credit report within 30-45 days. 
We value you as a customer and apologize for any inconvenience this may have caused. 
If you have further questions about your account, please contact the XXXX XXXX team, toll free, at XXXX ( TDD/TTY : XXXX ). We will be happy to help you. 
Sincerely, Customer Care team
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX acct # XXXX, has violated my rights. 
15 USC 1681 section 602 A states I have the rights to privacy.

15 USC 1681 section 604 A section 2, It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information, Any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Attached in the complaint is a copy of the debt validation I received from XXXX, which shows on my credit report as a ( charge off, charged off as bad debt ) which was sent to a collection agency and on XX/XX/2021 was settled which is the other document attached. The other document attached is from XXXX XXXX which shows the account was settled on XX/XX/2021. I have been trying to get XXXX to recognize this for over a year now and update my credit report accordingly. Now that time has past here is the evidence and the laws of the constitution that must be abided by. Now is not the time to update my file I want the account DELETED from my credit report in full.
Product: Credit reporting or other personal consumer reports

I am sure you are aware that it is against the law to threaten suit without any intention of doingso. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurateinformation that is being reported on my personal credit profile, yet you continue to fail to do soIt is my understanding of the law that you MUST honor each and every request to investigateincorrect information and you seem to have ignored all of my previous requests. 

XXXX - XXXX - This account in involved in litigation - I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist XXXX  XXXX  XXXX - XXXX - This account in involved in litigation - I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist XXXX XXXX XXXX - XXXX - This account in involved in litigation - I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist That is a crystala clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishersof information for non-compliance as a violation of its provisions.
Product: Credit card or prepaid card

XX/XX/XXXX -- Bank of America closed a line of credit for {$16000.00}, with no formal notice or explanation. Received email and letter in mail, 1 and 4 days after the fact, notifying of me of this closure. 

XX/XX/XXXX thru XX/XX/XXXX Contacted Bank of America customer service via phone, and they refused to provide definitive motivation for the closure of my 14 year old credit card account. After speaking to 8 differnt representatives, including mangers, was informed to check my credit reports with XXXX, XXXX, and XXXX. Viewed all 3 reports online and no delinqencies over the past 16 years were listed. Relayed information back to Bank of America and was told that it could be due to inactivity, degrogatory marks, or deliquency, none of which I have. 

I am only seeking transparency as to what flagged a closure of this account as do not want to apply for a credit card and be denied for these same " mysterious reasons '' as Bank of America refuses to confirm or deny.