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

Navy Federal share my personal information with a third party without my authorization. 
They have also voilated my consumer rights granted by Congress.

15USC1681A 15USC1681B 15USC6802 15USC1605 I have tried my best to work with this firm, but they keep reporting false information on my consumer repair and I want them deleted immediately.
Product: Consumer Loan

This is a follow up to Case number : XXXX. The company, American Credit Acceptance continues to call me with dead air voicemails. One voicemail appears that the person calling is talking to someone else, while another appears that they are eating. Multiple times over the past two months, I have requested for a due date change. This is due to my pay cycle changing. It was explained that my due date can change upon bringing account current. In attempts to resolve the situations, I attempted to reach out to " XXXX XXXX '' at " XXXXXXXXXXXX '' on multiple occasions with no reply being received. This attempt to reach out to the " Customer Relations Manager '' is not proving to be providing good customer relations. ACA 's website offers an option to send an e-mail, from their secured website. I have attempted to send multiple e-mails, received no replies. Their website includes a fax number, so I thought I would fax a written request to change the due date. The fax failed on three different attempts with a message of " No Answer ''. ACA is the worst company with the worst customer service. As I have been unable to have anyone respond to my inquiries, I am again past due, and per their supposed policy, a due date change is not available until the account is current. This company is only available during times that I am not. I am not able to answer the phone at a drop of a hat. During my last attempt to resolve, I had spent 45 minutes of my day ( which I later had a discussion with my manager about me not being available ) playing phone tag. During my last attempt to resolve, I had to explain to multiple people the arrangement ... ..was told to make one payment, call back at the end of the month with the next payment, but when I called back, there was no record of such arrangement and had to explain for a total of four times the arrangement. 

This company is extremely unprofessional and does not care about their customers. I am attempting to get ahead, but this company makes it difficult to work with.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing in regards to the service of credit reporting with Transunion. I log into my account with my personal credentials and when I click to view my credit report an error message pops up stating that I am unable to view my credit report. I would like to state that i have made several calls to Transunion and what they tell me is that their are XXXX accounts with the same name and that is why they can't allow me to access my account. Transunion takes the time to ask me for my full name, my birthday, my SSN and my residential address and it's confirmed that the info I am providing is correct and they access my account on their end. So, as I use my credentials and personal info to login to my account, I should be able to see my credit report. Based on the Fair Credit Reporting Act, It is my right to view my credit report. It is my right to know what is being put into an account that I never authorized to add my personal, work, business, loan or credit information on there in the first place. If I can't have access to my report when I log into my account, I don't want any information pertaining to me on Transunion. This is My formal complaint against Transunion.
Product: Mortgage

This complaint is about tricks and techniques being used by a Mortgage Company to take away a piece of property occupy by an elderly man and XXXX children a girl XXXX years old and a boy XXXX years old after their mother passed away in XX/XX/2019. 

The type of problem that I am having is the Mortgage Company is charging some fees in advance without any research about how much money we have coming in the house which for years we have been participated in some programs and what the numbers are that's what they are, and after being giving us several payoffs, now they try to change their minds by forging numbers. 
And also try not to recognize me as the owner on the deed. After death of my wife which I have been always the payer for the Mortgage, now they are charging many junk fees by raising the Mortgage Payments and they told me that I am not authorize on the loan and also they don't want to accept payments from me and I have been paying for near 15 years. 
What happened They need to foreclose on us by forging numbers, jacking the balance of the loan, blocking my monthly payments, telling me that I am not Authorize on the Loan. many Documents I sent always come short. PHH Mortgage an Ocwen Mortgage Company. I just made a payment on they Website, they took down our page so we wouldn't be able to make payments so they can foreclose take our house.
Product: Debt collection

I bought a treadmill from XXXX XXXX back around XX/XX/XXXX. I have a XXXX membership I pay monthly to them in the amount of {$41.00} per month. I have set up a automatic payment to them through my bank to be sent on/around the same day every month. Back in XX/XX/XXXX my payment was a few days late due to mail service being behind due to Covid-19. In the result of being late they applied a late payment. I had tried to dispute with no luck. Ever since then my payment of the {$41.00} was sent on time. Ever since XXXX my payment of {$41.00} has been on time but they have every month tacked on another late payment and my bill to date that is passed due is {$330.00} which are all late payments. They sent me to a collection agency TD Retail Card Services back in XX/XX/XXXX and I have sent in 2 dispute letters to them and tried to resolve with no luck.
Product: Debt collection

I am submitting this complaint because I am being extremely affected by Credit NCB MANAGEMENT SERVICE. They are being completely unfair and I dont know how to get ahold on them but through this portal.

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation.

This company has been reporting wrong information, re-aging the account, they have failed to mark account as disputed, they have also reported multiple billing errors by charter Internet ( original creditor ) and unfair business practices. 

The account information is the following : NCB MANAGEMENT SERVICES INC . 
Opened date : XXXX XXXX, 2020. 
Balance : {$5100.00}. 
Original Creditor Name : XXXX XXXX XXXX XXXX CALIFORNIA. 


My demand is based on many damages and all the violations that they have committed : 1. Violation of XXXX. 
2. Violations of California XXXXXXXX XXXX 
3. Failure to report first delinquency date.

4. Excessive calls.

5. Violation of California Consumer Protection Act.

6. Failure to validate account and produce itemization and debt instrument.

7. Violations of CCRA.

8. Deceptive business practices.

9. Negligence.

10. Charging unconscionable interest of 146 % as set for by California Supreme Court ruling of XXXX XXXX XXXX  vs XXXX XXXX. Your company is not registered in the business search for California, nor for Pennsylvania. 



I WANT THIS ITEM REMOVED FROM MY CREDIT REPORT ASAP. 

Please see the attached documentation to this company. 

Thank you.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX Transunion XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX Sent via Certified Mail - Return Receipt Requested Re : Account Number XXXX - DEMAND FOR 1099-C AND IMMEDIATE CREDIT REPORTING CORRECTION To Whom It May Concern : I am writing regarding account number XXXX which your company has charged off as a profit loss. Your company is currently reporting an outstanding balance on my credit reports despite this charge-off, and has failed to provide the required IRS Form 1099-C ( Cancellation of Debt ). 

This constitutes a serious violation of both tax law and the Fair Credit Reporting Act ( FCRA ). Under 26 CFR 1.6050P-1, you are required to file Form 1099-C with the IRS and provide me a copy when a debt is discharged. Additionally, reporting a balance due on a charged-off account violates FCRA 1681s-2 ( a ) regarding accurate credit reporting. 

IMMEDIATE DEMANDS : 1. Provide a copy of the IRS Form 1099-C for this charged-off debt within 15 days 2. Remove all references to any outstanding balance from my credit reports within 48 hours 3. Provide complete documentation showing : - The original debt agreement- The date of charge-off - The amount reported to the IRS as discharged - Proof of proper IRS filing Your current actions constitute : - Violation of IRS regulations regarding debt discharge reporting - Violation of FCRA regarding accurate credit reporting - Potential tax fraud by failing to properly report discharged debt - Consumer fraud by attempting to collect on a discharged debt If you fail to comply with these demands within 15 days, I will : 1. File a formal complaint with the Internal Revenue Service 2. File complaints with all three major credit bureaus 3. Submit a complaint to the Consumer Financial Protection Bureau 4. Initiate legal action seeking statutory damages under FCRA 5. Pursue additional damages for : - Willful non-compliance with federal regulations - Tax reporting violations- Emotional distress - Damage to my credit standing - Legal costs and attorney fees Under FCRA 1681n, willful non-compliance can result in : - Actual damages - Statutory damages of up to {$1000.00} per violation - Punitive damages - Attorney 's fees and costs This letter serves as your final opportunity to correct these violations before legal action commences. All future communications must be in writing only. 

Sincerely, XXXX XXXX XXXX : TransUnion, Internal Revenue Service Attorney General 's Office California Department of Justice, Consumer Financial Protection Bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB agent, The last couple of years I've been noticing changes to my credit report that are not accurate. I noticed that there are some inquiries that I don't recognize or authorized. the companies are the follows : ( XXXX XXXX ) who added an inquiry on my report on XX/XX/XXXX. 
( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) who added an inquiry on XX/XX/XXXX ( XXXX  XXXX XXXX XXXX  ) who added an inquiry on XX/XX/XXXX please help me remove those items from my report. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I found some inaccurate information in my credit report when I checked it. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), the 3credit bureaus must verify these items. It is not acceptable to disregard the verification of these reporting itemsas unreliable information without presenting any supporting documentation within the legally permitted time frame. My credit report lists the following itemsas needing to be looked into and fixed for inaccurate reporting in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Checking or savings account

On XX/XX/22 check # XXXX was made payable to XXXX XXXX XXXX, XXXX for XXXX for our monthly rent payment. This check was mailed on XX/XX/22 to XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, WI XXXX from our office building drop in locked was mail box. I received an email from XXXX XXXX asking/stating they had not received payment. We looked in the business online bank account and saw that a check was cashed on XX/XX/22. Digging further, we pulled up an image of the cancelled check and saw that the check had a different payee ( XXXX XXXX ) with a New Jersey address. The date of the check, the dollar amount and signature were the same as the original check. We decided to contact our bank representative as this was clearly fraud. We contacted him on XX/XX/22 and he notified us to contact the fraud department. We immediately contacted them and they emailed an affidavit to complete. This was completed and returned to them via email on XX/XX/22 and then were given a case number. We also contacted our local police department and filed a victim statement of fraud. The detectives research found that the fraudulent check was deposited at a XXXX XXXXXXXX XXXX in XXXX, NJ. The detective shared his findings with PNC bank. We have been told by PNC bank that this is a counterfeit check, however PNC entered it as an altered check and this may be why it was held up. She admitted that the bank made the error. This was on XX/XX/22. That day we then filed a complaint with the OCC. A PNC bank representative called the office the next day and twice since then to only tell us that they are still investigating the issue. This has been ongoing since XX/XX/22, more than enough time to have investigating the issue as the police detective got a confirmation of check fraud within weeks. 6 months of receiving the same answer from the bank.
Product: Credit reporting or other personal consumer reports

Kindly ensure the prompt removal and blocking of these unauthorized accounts from my credit report. I did not authorize or recognize these accounts. As stated in USC 1681g, I formally request their removal within the next 15 days. Enclosed are supporting documents for your review.
Product: Mortgage

Ditech, In response to Ditech back in XXXX they say they have n't received my modification information. I have proof we sent it with a return receipt. They also stated in XXXX they need 60 days to review my file. Its well passed the 60 days and I still have no answer. My attorney and I cant seem to get any cooperation from them. Can you please respond to me with some answers.
Product: Debt collection

In XX/XX/2019, I was approved for a credit card with Wells Fargo for {$300.00}. During the same year I used the card to rent from XXXX to replace a totaled vehicle. During that rental I made multiple {$300.00} payments to cover the weekly rental. At the end of the XXXX submitted a final {$1800.00} bill to Wells Fargo. The bill was paid by me thru my bank account and multiple deposits to credit card. Wells Fargo raised my card limit from {$300.00} to {$2000.00} and paid the bill again. I made multiple calls to Wells Fargo to dispute and provide paperwork to show bill was paid. Wells Fargo rep told me she would reach out to XXXX and I never heard back. I received a letter stating amount was valid. Soon after Wells Fargo began charging me interest on the {$2000.00}. They then raised my limit from {$2000.00} to {$2500.00} and reported to credit bureau that I was {$2500.00} over the limit. Thereafter they continued to charge me interest and dropped my credit limit back down to {$2000.00}, and reported me further over new credit limit. I refused to make any payments and continued to tell them the charge was not valid. They reported balance as a charge off of {$2000.00}. I disputed the charge with XXXX and XXXX in XXXX. Wells Fargo reported balance as being correct. In an effort to clear the amount on my credit report I paid Wells Fargo {$2000.00} under certified mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX and reported it to the credit bureau as a dispute. Wells Fargo responded to dispute that I still owe the balance of {$2000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian should not be reporting a collection/chargeoff in the amount of {$780.00} on the XXXX XXXX. partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me and is reporting in error. I have never had an account with XXXX and I never gave permission for an account to be opened with XXXX. I have tried to contact the bank as well as the bureau to have this line item removed however, I have not been successful. This false reporting of a collection/chargeoff account that does not belong to me is seriously harming my credit score. Please remove this line item.
Product: Money transfer, virtual currency, or money service

I am filling this complaint against cash app ( block , inc ) due to inadequate customer service and unfair practices which violates the customer financial protection act specifically cash app failed to take timely and effective measures to prevent and address fraud in their platform leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fraud transfer act and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redness for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion I requested my hard copy.It looks the same as the one I can check online through XXXX no score only personal information, general inquiries, on the back of the one page report it says I am to purchase my score their services are {$30.00} approximately a month.According to XXXX and past hard copy my score has not changed in over a year.I have exhausted calling, filing complaints, filed recently with the XXXX XXXX XXXX.I have been denied repeatedly and not given any information as to why my score has not changed.I recently opened an account that reports to the credit agencies.It shows up the account is reporting.my XXXX score has went up alot in the last 6 months.Transunion no change.i was a victim of the XXXX XXXX hack over 3 years ago and it froze my credit.every since then I have been repairing that damage.I have been hung up on, denied any information and told they do have to supply me that information unless I pay for it.
Product: Credit reporting or other personal consumer reports

This company is reporting a debt which I am not aware of, I have been a victim of id thief previously. and all the information is different on the accounts as well. I have no agreement or contract with company, yet they are attempting to collect a debt from me that I do not owe.
Product: Debt collection

I entered an apartment lease right before the coronavirus pandemic hit in XX/XX/2020. So they knew I was XXXX XXXX XXXX XXXX XXXX XXXX. They obviously had all my pay stubs and such. I was also getting out of a XXXX XXXX situation which required a lot of help. My abuser ended up finding my location and the situation became dangerous. The schools were closed by XXXX so I totally lost my income. On top of all this the apartment manager did not disclose that there was a bug infestation in my apartment before move in. I have severe XXXX. I ended up in the emergency room twice while living there do to XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I did not know that maintenance men and bug spayers would be entering my apartment at their own leisure which they also did not disclose in my lease. I paid my lease up to XXXX and was fully moved out by XXXX. I explained to them that I clearly did not have an income through no fault of my own. A direct result of the pandemic as well as my health issues including XXXX XXXX XXXX  exacerbated by men coming in and out of my apartment when I have XXXX and just exited a domestic violence issue. I am not responsible for a global pandemic that ended my work and I am not responsible for them entering my apartment at their leisure. As long as I pay rent it is my personal space not to be infringe upon especially as a victim of violent crime and none the less. I do not owe Advanced Collection BU XXXX XXXX XXXX XXXX, Fl XXXX
Product: Credit reporting

I called the transunion credit bureau using the phone they gave me XXXX as of XX/XX/XXXX16. It is not a working number. see photo herein. Transunion listed my request for a my free annual report as a credit card application on my credit report listing it as " factact free disclosure '' .Further they listed " commonwealth financial '' as a application for credit from me. 
further they listed " XXXX '' as an attempt by me to hire a credit enhancement company. These inquiries should be deleted because I did not apply for these services and they should not be listed as inquiries on my credit report.
Product: Debt collection

I first went through a credit resolution company named, XXXX  to help settle credit card debt with capital one. 
They were a third party company I'm using to help settle credit card debts. After awhile of Capital One purposefully not collecting my payment after almost a month, I called them directly to have them take payment for both accounts respectively. I paid ( settled ) BOTH accounts and I have confirmation numbers to prove it. So I do the leg work to get the items removed from my credit report ( XXXX ) and now capital one is saying that my debt is still owed to them, which can't be true, which means they're lying or trying to squeeze more money out of me. 

As of XX/XX/XXXX my debt should have shown as settled or paid on my credit report. But captial one is trying to bleed me.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I received a Social Security number alert by email from Experian IdentityWorks. The email stated that my SSN had been found on the dark web related to the XXXX data breach. I called the Experian customer support line at XXXX XXXX. The automated line never allowed me to actually speak to someone and none of the other options were appropriate for my situation ( credit freeze, fraud alert etc. ) I called a number of times, but was unsuccessful at actually speaking to a person. I logged into my Experian account and was directed to review my alerts. When I opened the SSN alert, it showed additional information that consisted of another individual 's name, email address, physical address and phone number. None of this information was mine and I wondered why Experian sent me another persons private information. I also wondered if they are sending my PII to someone else. The Experian website allows you to send emails to their customer care support. I sent 2 emails on XX/XX/year> asking them to contact me regarding this alert. I sent a third email today XX/XX/year> summarizing my attempts to be contacted and notifying Experian I was going to file a complaint with CFPB. As of this writing, I have never been contacted by Experian or even sent an acknowledgment of my emails.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.

15U.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. 

XXXX shows it's a closed account and XXXX XXXX shows it's an open account listed in my credit. This is inaccurate and must be removed my credit.
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and seen multiple inaccuarcies and unauthorized accounts/information reporting to my credit report. These remarks are detrimental to my credit health and life.