23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I notified Navy federal  in earlyXX/XX/XXXXthat I was a victim of Identity theft. First starting with my sister filing taxes under my name and social to get a refund. I had an ftc and police report done then. I next was a victim of 2 data breaches one inXX/XX/XXXX and the XXXX breach in XXXX. When I notified them immediately that there was a problem with my account, they started an investigation, and sent me a letter telling me my card was closed and what I needed to provide. Which I did and this was about 2 years ago. They still didn't fix my account. The second time I marked every transaction that wasn't mine, for their review still nothing.. I stayed on top of this. I spoke to many people from customer service to fraud. I was not paying a balance I didn't owe. My account was closed in XX/XX/XXXX. But they still kept paying ebills, and charging more fees, When an account is closed nothing more should be happening with it. They made that mistake. They need to bring the account current, get it out of collections. and take it off of my credit report. It was due to the fraud the account was out of control and they wouldn't do anything to stop it, except make it worse. I am attaching all cases and their results. Every answer they have provided has not even sounded like they have tried to do anything, I will take this to the attorney general a second time. and the ftc again, they just allow Navy Federal to get away with this and it isn't fair, When it says they take this kind of thing seriously, I have no idea who they mean, because they are even willing to take money from their own soldiers which the CFPB did get them for. So it is obvious they don't care about their customers, just putting is in dept and leaving us there.
Product: Credit reporting or other personal consumer reports

An account/credit card was opened under my name with the company name of Fortiva. The balance is {$130.00}. The date that it shows it was opened on my credit report XX/XX/XXXX. I started receiving statements in the mail for this credit card that I did not open. I previously used this company when I financed my security camera equipment for my home. I paid off what was owed for the equipment, further more that monthly installment was paid in full and closed out. ( That account was NOT a credit card ). Later on down the line I found out that a credit card was sent to my old address from the same company called Fortiva and an account was opened in which I did not do. This company decided to draft money out of my checking account without permission with a total of {$27.00} on XX/XX/XXXX. I have asked that this account be removed from my credit reports because it was fraudulently opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX IS REPORTING ONE LATE PAYMENT DELINQUENCY TO THE CREDIT REPORTING AGENCIES, ALL THREE ( XXXX, EQUIFAX AND XXXX ), THIS IS AN ABSOLUTE INACCURATE INFORMATION, I HAVE ALWAYS PAID ON TIME AND NEVER LATE, I AM SURE IT AN ERROR WITH BANKING OR TRANSACTION ERROR ERROR. BUREAUS HAVE RECEIVED MY LETTER FROM THE CREDITOR FOR WHICH THEY HAVE APPROVED TO REMOVE THE DELINQUENCIES AS ERROR, BUT THE BUREAUS ARE NOT COOPERATING PLEASE HAVE THESE INACCURACIES REMOVED FROM MY CREDIT REPORT, I HAVE ALSO ATTACHED THE CREDITORS LETTER ( UPLOADED ) on your website for your information and followup thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX  at XXXX XXXX, I spoke with XXXX XXXX  via telephone number XXXX regarding a hit on my credit report not belonging to me. During the conversation with the creditor they told me the account belongs to someone other than me and that they could not discuss the details with me. I asked to speak with a manager and got XXXX XXXX XXXX who identified himself as a manger. I told XXXX I was in the process of buying a house and that this falsely reported tradeline needs to be removed from my credit immediately. He told me the account does not belong to me and the only way I could remove the account is to contact the credit reporting agencies. I further explained to him that their company is knowingly falsely report on my credit which is against the Fair Credit Reporting Act and he told me there was nothing he could do.
Product: Debt collection

The option was n't there, but I was n't communicated with at all that 's my issue. No calls no emails no letters, and k believe it 's really unfair that it just goes to collections. It 's like ruining someone 's life, I want proof of call attempts and letters sent to my house before debt was put on credit score?
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against TransUnion for Violation of FCRA Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a serious matter of non-compliance with the Fair Credit Reporting Act ( FCRA ) by TransUnion, one of the major credit reporting agencies. I have previously submitted a reinvestigation request to TransUnion regarding certain entries on my credit report, requesting specific documents to substantiate the validity of the debt entries in question. However, TransUnion has failed to fulfill its legal obligations under the FCRA and has not provided the requested documents as mandated by law. 

I submitted a request to TransUnion in accordance with my rights under the FCRA, specifically seeking original contracts with my signature, as well as proof of a legally valid assignment of the debt in question. As per Section 611 ( a ) ( 1 ) ( A ) of the FCRA, TransUnion is obligated to ensure the accuracy and validity of the information it reports. However, their response to my request was inadequate, as they merely reissued the same result letter without providing any of the required documentation. 

The FCRA places the burden of proof on TransUnion to substantiate the accuracy of the reported information, and in the absence of the requested documentation, it is their legal obligation to promptly remove the disputed entries from my credit report, since no proof has been or can be provided. This continuous reporting of unverified and unsubstantiated information has had a detrimental impact on my financial standing, affecting my ability to secure credit and housing. 

I am bringing this matter to the attention of the Consumer Financial Protection Bureau, as I believe TransUnion 's actions are in direct violation of the FCRA, and I request your intervention to ensure the protection of my rights as a consumer. I am not seeking another round of investigation or dispute with TransUnion. Instead, I urge the CFPB to take the necessary steps to compel TransUnion to adhere to its legal obligations and delete the reporting discrepancies promptly or else I will be forced to seek legal counsel and retribution. 

I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will take appropriate action to address this violation of consumer rights. 

Accounts in question below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS IS REPORTING TWICE, same account number different balances- this is obviously a factual error and both to be deleted!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Pro-collect made an inquiry against me damaging my credit on a debt that is not legitimate and in dispute ( an extra XXXX} ). I paid my balance in full on the exit of my apartment complex when I turned in the keys and was told I had zero balance which was also shown in the resident portal ( Elements of XXXX XXXX in Florida, which is owned by XXXX properties, but they sent me a bill going through the wrong date ( a week later than the correct date. My last day was confirmed as XX/XX/XXXX which I have a signed sheet saying and provided it to procollect. The bill they are looking at does not provide an explanation, but they won't give it the time of day to look into it. I asked for them to provide some documentation to show that I owe the debt but refused to reason with me. The entire alleged date all rests on the date they have not matching the date I have on my signed sheet. The Property Manager and Assistant property manager who I was working with no longer work there. The amount generated on my exit was paid by money order and shown in my bank statement screen shoot attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 14 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX/XXXX XXXX/XXXX XXXX   XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX   XXXX
Product: Student loan

Called after employment termination to setup a payment plan based on unemployment which was {$600.00} biweekly. Called again after unemployment ended to give them an update they stated nothing can be done besides interest rate decrease. Called today  XXXX / XXXX /2017 on another solution because I have no income, they stated they do n't have payment solutions for unemployed people.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have disputed these items and i havent received any documents or results from their investigation and it has been more than 60 days. the only information received was that they verified the bankruptcy with the court and thats a lie. i submitted the court letter i received from court and i still didnt get the items deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX on XX/XX/20 a hard pull was completed on my Experian credit file of which i do not recognize I am very upset regarding this pull as it has damaged my score.
Product: Money transfer, virtual currency, or money service

I went to two different Wellsfargo Banks neither one would Help me I explained to XXXX XXXX something is still going on with my Account their is a Third Party Company that has all my Information the Company name is XXXX  XXXX XXXX XXXX  on my Account in the XXXX  XXXX  I ask to have it taken off because its not mine I wasnt Successful in getting that done at all then I went to XXXX so they could check the car out for bugging & Tracking since thats what the Scammer did to my Cell Phone in the process at XXXX since they couldnt see my car wanted me to leave it and get a rental from them but I wasnt able to do that because of the Account payment wouldnt process even though the money is there first it got Declined then said the card is restricted for car rentals the Bank is well aware of whats going on here Identity Theft
Product: Credit reporting, credit repair services, or other personal consumer reports

I am seeking the deletion of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus ( XXXX, XXXX and Equifax ) via certified mail on XX/XX/2020. 
In my letter sent and received by XXXX, XXXX  and Equifax I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been more than 3 months from my written request and I have not received any responses.
Product: Mortgage

XX/XX/XXXX Rocket Mortgage created & approved a mortgage for {$100000.00}, account XXXX. The loan was on XXXX XXXX XXXX, XXXX yr old, & unqualified co borrower XXXX XXXX XXXX. The co borrower is not, was not qualified for this loan, Rocket Mortgage took advantage of XXXX XXXX, who passed 9 months later. XXXX XXXX was frail & obviously in declining health. XXXX XXXX passed XX/XX/XXXX. This loan should never have taken place, it caused tremendous grief & worry for XXXX XXXX. He had paid cash for the property at XXXX XXXX XXXX XXXX XXXX Ga XXXX on XX/XX/XXXX. XXXX XXXX did not know how to turn a computer on much less go through an online mortgage. The co borrowers section of this mortgage should be reviewed & Rocket Mortgage be held accountable for approval of a false application. 
XXXX XXXX was frail in health. He was of sound mind, but did not understand the process or the consequences of this loan. 
If in fact the loan does not have a co borrower listed, Rocket Mortgage is illegally keeping the account open. Rocket Mortgage has been notified XXXX XXXX passing.
Product: Credit card or prepaid card

On my Capital One Venture One card there are plenty of charges from some foreign countries. These days there seems to be no way to contact Capital One regarding to these issues. Only contact method provided is by phone and I have been on hold forever.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attaching a copy of the letter I mailed to XXXX, XXXX, and Trans Union on XXXX XXXX, requesting a credit investigations. To date, they have yet to respond. They are supposed to respond inside of 30 days.
Product: Mortgage

My mortgage company, NewRez, accidently sent me an overage payment last year which I promptly returned to them ( within a 3 days ) as it was a mistake on their end. When they reassessed my escrow account this year they factored in additional escrow funds based on them paying me the overage because it made it appear that additional escrow funds were required to cover the full amount of escrow. This resulted in my mortgage payment increasing dramatically. I have called them numerous times over the course of several months. The representatives all confirm they can see the error and I have also provided proof that my insurance payment is XXXX of what they assessed it at based on the prior year 's insurance payment plus the overage amount. They tell me it will be reassessed and they will send me back the money I have paid due to the increase in my payments that were caused by this error. They reassessed my escrow amount this month and are still factoring in additional escrow based on their mistake last year and is still resulting in my mortgage being more than it should be.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are fraudulent unauthorized unverifiable inquiries reporting on my credit report
Product: Payday loan

I filed for a payday loan before joining the XXXX XXXX back in 2013 for an amount not exceeding {$1000.00}. I have the bank documents where they withdrew the amount from my account. I have been contacted indirectly by a third party, XXXX XXXX XXXX, demanding a payment for the amount of {$850.00} owed. They did not verify the original amount, nor did they send me documentation of the original contract. They also threatened legal action if I did not pay the settlement that was offered. I contacted The Cash Store ( original creditor ) to find out if I could get the original document to assess the situation, and whether or not I owed any amount. They said there was a remaining balance that was sold to a third party, and they did not have the original document. I then contacted their corporate office, who said they did not have any original documentation of the contract, and just stated the payments I paid to The Cash Store. They referred me to the third party the remaining balance was sold to, which was not XXXX XXXX XXXX, but XXXX XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters about some items on my report. I have not recieved any response back. I feel like my letters are being ignored. This is very frustrating and this is causing me unecessary stress. I have done my part and followed the law but I have not been awarded the same courtesy from the credit bureaus. I request a response and demand for these items to be immeadiately removed from my credit report.
Product: Credit reporting or other personal consumer reports

I have inquiries on my credit report that Im unaware of.Ive been harassed by a collection agency and have been told to pay a debt that I have no knowledge of.I would like the following inquiries removed from my credit reports. 

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

I am having problems disputing an account that was fraudulently opened on XX/XX/year> in my name by Care Credit a Synchrony Bank. The current balance that I am seeing on XXXX XXXX is {$1600.00}. I have been calling them asking to close the account and informing them that it is fraudulent since it first opened. The last conversation, they sent a fraudulent document for me to fill out to deny opening the account, which I continued and filled out each section with statements NOT having responsibility for the account due to it being fraud. However, through all this effort, I get letters from them that they are unable to approve the dispute due to : You have accepted responsibility for the charges. You authorized, participated in, or benefited from the purchase. You didnt provide the information needed to continue our review. All of which is not true.
Product: Debt collection

XX/XX/2023 ProCollect XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX Contact me sometime in late XXXX/early XXXX advising that I owned {$83.00} for un unpaid utility bill. I advised I had NO idea what this was about, never heard of the company, nor had I received any info until this call. The lady on the phone was very rude and advised me to file a police report. I requested that she send me the details of the debt so that I could further investigate as this seemed to be fraud with my ss #. This week I checked my credit and it was reported to XXXX. I contacted ProCollect today and inquired as to why it was reported on my credit report when I have yet to receive any further documentation and or information. the lady explained that the debt was owned as of XX/XX/XXXX and they had sent notifications. She could not tell me what address these were sent to. She did ask if the address on file at the time was accurate and I advise yes but I have never recvd anything in regards to this matter at my current address. She advised that they did receive my request via email to provide all documents for me to further review although I am confident this is not my debt and someone used my SS # to be approved for utilities with 10 XXXX XXXX XXXX XXXX. She said this would take up to 30 days to receive this info. So here I sit with my credit score reduced by XXXX points due to a {$83.00} debt that I was never made aware of until a quick phone call and it reported to XXXX XXXX.
Product: Money transfer, virtual currency, or money service

Money was deposited into my account and I had to send the money to Lending Tree using money card set up by them using XXXX XXXX XXXX for XXXX on XX/XX/26. That night my account was frozen by my bank and a check received was marked fraudulent
Product: Vehicle loan or lease

I applied for a car long via XXXX XXXX. XXXX XXXX, on behalf of Trsel, forwarded a loan for the full amount that I was asking saying I was approved. When I went to their site to finalize the loan, the ran my credit and approved me for {$5000.00}. I feel if they were going to approve me for {$5000.00} they should have never lied and said I was accepted for my auto loan of {$36000.00}. I tried to resolve this with Rersl directly and they claimed that lending tree was not their company. I let them know I never claimed that to be the case but they did get all my information from lending tree so they should not have taken that information if they were not associated with lending tree at all. I just feel they lied. The offered me exactly what I wanted and then when I went to collect that, they switched it to a much lower number that was only a fraction of the original amount. To me it is a classic bait and switch.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an ongoing problem with the reporting credit bureaus mainly Exquifax. I waited after all positive reporting on my credit report for the past three to four months. Last month they gave me a negative point two months before that another negotiate point. This month another negative 8 points. For the past year I have paid on time on all credit 100 percent. I only had XXXX unpaid accounts that should have been charge offs but became garnishments now down to XXXX. After waiting three months to see an increase on my credit score after extremely good credit performance I still continue to get negative or no increase at all. My score should be in the XXXX at this point they have me at XXXX I will never purchase a home or a new car at this rate after being retired for 9 years. If this isnt blatant discrimination I dont know what is. 

XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

BMO Harris sent a letter dated XX/XX/XXXX stating some other company was taking over my mortgage. gave numbers to call. they said call back XX/XX/XXXX, did that now it's call back XXXX XXXX they gave or sold loan to XXXX ( XXXX XXXX ) on address no way to contact other than Numbers that tell you call back later. 

The letter stated that if you had automatic withdrawl from account do nothing. THe XXXX XXXX has come and gone no payment taken out. no way to check balance or anything else. Very Likely they will XXXX up my credit rating, and possibly cause repo of property. 
This is the 2nd big change in a few months, the other pertained to checking account which I finally go straighten out.
Product: Credit reporting, credit repair services, or other personal consumer reports

Jefferson Capital continues to report an account on my credit report that doesn't belong to me. I have disputed this debt several times through the credit bureaus but the account info keeps coming back and reported as accurate. In addition I have been harassed bullied and sued by Jefferson Capital about this debt. I was sued 2 times and won the case each time. It was proven in court on XX/XX/XXXX and again on XX/XX/XXXX that I do not owe this debt and the case was dismissed with prejudice by the court. As of XXXX XX/XX/XXXX this account is continuing to be reported on my credit report. This account needs to be removed from all 3 credit reports because it has been proven in the court of law that the debt doesn't belong to me. I will like this debt removed from my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my right under 15 USC 1681 section 6 0 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a open credit card account under an open end consumer credit plan as late for any purpose. 

XX/XX/2023 {$490.00} XXXX 2023 {$490.00}