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

Subject : Urgent Concerns, Intent to Pursue Legal Action, and XXXX for Validation of Debt Against Transunion Dear Consumer Financial Protection Bureau ( CFPB ) Team, I am writing to express my deep concern and frustration regarding the ongoing inaccuracies and unfair treatment by TransUnion, a credit reporting agency. This marks my second attempt to address these issues, and I am prepared to take legal action if necessary to rectify this situation and protect my consumer rights. Recently, I received an adverse action letter that cited negative outcomes resulting from the inaccurate information reported by TransUnion. In response, I promptly contacted TransUnion to initiate a dispute for the entire credit report and all information within it. Regrettably, my efforts were met with uncooperative and disrespectful behavior from Transunion representatives, who refused to transfer my call and were dismissive of my concerns. Furthermore, during the course of our interaction, I was asked to provide my Social Security number, a request that I find concerning given the ongoing inaccuracies in my credit report. This demand raises legitimate worries about data security and my rights as a consumer seeking resolution. In light of the circumstances, I want to stress that I am disputing the entire credit report, including all information contained within it. I am seeking validation of debt for each piece of information present on my consumer report to ensure accuracy and transparency. I believe that every consumer has the right to accurate and reliable credit reporting, and I am committed to upholding this right. I kindly request the CFPB 's intervention to compel Transunion to promptly and professionally address the inaccuracies in my credit report and provide the necessary validation of debt for all information. Additionally, I urge the CFPB to investigate the unprofessional conduct of TransUnion representatives during our interactions. Thank you for your urgent attention to this matter. Please do not hesitate to contact me if you require any further information or clarification. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due XXXX XXXX XXXX  debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX  Debt XXXX and would like for all listed accounts to be blocked and deleted company information from XXXX and TransUnion. 

Please delete the following accounts : XXXX  XXXX Account Number : XXXX Balance : {$1100.00} XXXX  Account Number : XXXX Balance : {$6700.00} XXXX  Account Number : XXXX Balance : {$1500.00} XXXX  XXXX Account Number : XXXX Balance : {$730.00} XXXX Account Number : XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Balance : {$560.00}
Product: Credit card or prepaid card

I am a victim of identity theft. On XX/XX/XXXX, the suspect opened credit card account XXXX with XXXXFORTIVA and accrued {$3500.00} in charges. I believe the suspect stole my mail, specifically a W2 tax form sent from my previous employer, from a mailbox located at address XXXX XXXX XXXX, XXXX, NY where I lived from XX/XX/XXXX through XX/XX/XXXX. I discovered this fraudulent account on XX/XX/XXXX as I was looking at my credit report and noticed this unfamiliar bank and delinquent account. As soon as I discovered the account, I called Fortiva to report the fraudulent account. I spoke with a representative in the Fortiva Fraud Department, XXXX, who advised that the account was opened using the XXXXXXXX XXXX XXXX XXXXXXXX address. I had not been living at this address for 2 years when this account was applied for and opened on XX/XX/XXXX. 

On XX/XX/XXXX, I reported this theft to the XXXX XXXX XXXX Precinct, XXXX XXXX, who advised that I needed a written statement from the bank with details and information used to open the account before he could file a police report. On XX/XX/XXXX, I sent Fortiva a letter of request for business records related to this fraudulent account, along with the FTC Identity Theft Report, my government issued proof of identity, the Fair Credit Reporting Act Section 609 ( e ), and a link to ftc.gov resource titled Businesses Must Provide Victims and Law Enforcement with Transaction Records Related to Identity Theft. 

It has been 30 days since I sent Fortiva the letter of request for business records related to this fraudulent account and the only correspondence I have received is an Affidavit of Fraud form to fill out and send back to them in order for them to investigate. My consumer rights have been violated and I demand resolution to have this fraudulent account removed from my credit files. I have taken steps to dispute this fraudulent account by reporting the fraudulent account to Fortiva, disputing the account with all three credit bureaus - XXXX, XXXX, and XXXX - filing a complaint with the XXXX, as well as the XXXX  Police Department. Additionally, I have placed a freeze on my credit, set up fraud alerts, and added consumer statements with all three credit bureaus. 

This credit card account was opened fraudulently using my personal information without my consent or permission. I did not open or authorize this account. My credit report is showing incorrect information by claiming this credit card account under my identity. I demand that Fortiva, XXXX, XXXX, and XXXX absolve me of all charges on the fraudulent account and all activities associated with it, and that all appropriate steps are taken to remove information about this account from my credit files.
Product: Debt collection

Have contact both party 's involved numerous times still no resolution. The problem is that it's a medical bill that was discharged in bankruptcy in XX/XX/2014. Appears on my XXXX credit report as in collections with Common wealth Financial ( XXXX XXXX ) Head supervisor XXXX extension XXXX. It has been dismissed through Common Wealth Financial I  currently have no open accounts with them. Bankruptcy was final in XX/XX/2014. XXXX will not remove it off of my credit report I have contacted them give them the number of the XXXX person in charge at Commonwealth where the he said he would talk to them personally and have them remove it they would not contact him. I've been dealing with this for two months now on my credit report I have called a gazillion times I have documentation of every time I have contacted both. The account is in the amount of {$250.00}. Bankruptcy was closed XX/XX/2014 I've given them both parties all the documentation Commonwealth has no open accounts. Supervisor that I contacted from XXXX was XXXX who would not take care of it he said it was out of his hands. At this point I have no idea what else to do where else to turn. Hopefully I can get some satisfaction through you.
Product: Credit reporting or other personal consumer reports

Experian and other credit bureaus failed to update my credit scores over the years. They actually are leaving debt off my credit scores and they know that my score is hacked. They refused to work with the cybersecurity teams and only offer a credit freeze. I need the accurate score and the problem is with patching. My score hasn't moved any in XXXX years it's forged.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( Strawman Name Goes Here ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, 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 Accounts : XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$2000.00}, XXXX  XXXXXXXX XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$8.00}, XXXX  XXXXXXXX XXXX XXXXXXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX Child Su Account # XXXX date opened XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX  XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$0.00} Inquiries : 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 XXXXXXXX XXXX, in. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

My phone, debit card & credit card were stolen on XX/XX/21 leading to {$7500.00} in fraudulent charges and now Bank of America is denying a portion of my claim for {$4800.00} because my pin information was also accessed. I never gave it to anyone or wrote it down so I don't know exactly how the perpetrators did what they did, but the fact remains, it was fraud. I reported it the day of. Please help.
Product: Checking or savings account

On XX/XX/17 I found out my BMO Harris  checking had been charged double for what was a scam on my debit card. I purchased a XXXX for a spa in XXXX after it was secured paid for and booked an appointment the location changed to XXXX XXXX. The XXXX then showed the XXXX location no longer taking appointments. I explained to the merchant it was misleading she told me Id be refunded for trying twice {$55.00}. She then never issued a credit and proceeded to charge me twice on the XXXX and the XXXX. BMo did nothing for me to prevent the charge from going thru even after thoroughly explaining the scam or error. I will have to dispute this {$110.00} now and may not receive the money back. Merchant is no longer available for me to talk to. BMO closed at noon and pushed me off the phone no solution given just let it charge me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had extreme difficulties in dealing with AmEx previously that were successfully resolved through the cfpb in XX/XX/XXXX. I was very happy with those results and felt that the outcome was very fair. However, when I had my credit score rechecked, AmEx now has deleteriously attributed a late payment from my husbands account to me. AmEx clearly states in their cardmember agreement that the primary card holder is the guarantor on the account and that any cards issued to other individuals are using those cards at the risk to the credit of the cardmember. I did have a card issued to me under his account back in XXXX although my card expired in XXXX. The payments in question are in XXXX. These charges and delinquency should never have been attributed to me and they have damaged my credit score to the point that we are unable to qualify for a mortgage.
Product: Vehicle loan or lease

I received a vehicle loan from navy federal credit union and after I got the loan all my payments were made on time but then I got a letter from navy federal credit union stating that the title was in my name without a lien holder which I didn't know, so then they started threatening to change the loan to a signature loan and raise the payments if I didn't sign the title and send it to them, so being in good faith I signed the title and mailed it back and they raised my payments anyways from XXXX to XXXX which is not the agreed upon amount that I signed and agreed too. I went as far as to tell them to come and get their property numerous times and in return they told me no they won't come and get it.
Product: Mortgage

Ocwens negligence and unwillingness to provide an escrow analysis or a breakdown for my   XXXX   XXXX    escrow adjustment caused my   XXXX   XXXX  , escrow analysis to have a higher shortage than expected.  Ocwen  failed to disclose that they were spreading my escrow payments ove r 56  payments. Ocwen failed to notify me in a timely manner about the changes with the escrow so that I would have a chance to minimize my shortage. Ocwens failure to provide proper notification caused an additional increase in my monthly payment, because I had to request that my escrow payment be spread over  12  payments, and not the spread that was previously used to avoid any more unnecessary increases. Ocwen failed to provide the information/material when I first requested it, but later sent the information on   XXXX   XXXX   XXXX  , after I received the new escrow shortage in   XXXX   XXXX       On   XXXX   XXXX   XXXX   Ocwen 's attorney emailed a breakdown of the capitalization and down payment amount that was used to calculate my {$110000.00} modification beginning balance. However, the calculations and dates Ocwen used to get the same {$110000.00} beginning balance was calculated and adjusted differently on the transaction report they provided.     On   XXXX   XXXX   XXXX  ,  Ocwens  attorney provided a response and transaction history used to support her response about my concerns with my year to date principal payment totals on my  XXXX  and  XXXX  statements. Ocwen negligently and carelessly failed to include my {$1000.00}, payment on the transaction history report that they provided with the correct  XX/XX/XXXX , received date. Ocwen failed to correctly deduct my {$800.00} modification down payment from my {$1000.00} payment, and apply it with the correct  XX/XX/XXXX  received date. Ocwen failed to include the correct capitalized amount and date for my   XXXX   modification on the transaction/payment history they provided. Ocwen failed to re-apply my {$200.00} balance from the {$1000.00} payment with the correct   XXXX  , received date. Ocwen negligently reversed my {$800.00} down payment from a suspense account and re-applied it with a  XX/XX/XXXX  received date.  Ocwen  negligently reversed and re-applied {$200.00} + {$600.00}  (   XXXX  {$800.00}  ),  contractual payments received between  XXXX , with an incorrect  XX/XX/XXXX , received date.
Product: Debt collection

I received a letter stating that I owe {$1800.00} from my business and I left multiple messages to ask what this amount is in regards to and I do not know what company that is being owed to. I even email the given contact information, no response in communication and can't get hold of a live a person. Only gives the option to pay. I received a second letter that if I do not pay by XX/XX/2018, further action by their office will take place. The collector claims on their letter that they try to reach me multiple of times, which is untrue since I am unable to speak to someone live, no party have emailed me back or return my messages.

I have not received any proof of statements what I owe and just a letter stating that I owe {$1800.00}.

Also, the business that I owned of which the debt collector is claiming Closed. I closed the business and no longer in business.
Product: Credit reporting, credit repair services, 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. 

US DEPT ED : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX ) : # XXXX, ( ORIGINAL CREDITOR : ) : # XXXX, USDOEXXXXXXXXI : # XXXX, XXXX : # XXXX, XXXX  / XXXX XXXX XXXX XXXX have violated my rights.XXXXThe following are the provisions that protect me as a consumer 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 had a HELOC open with Bank of America. Monthly Automatic payments were setup and made on the XXXX of every month. Bank of America confirms receipt of those payments having been received and posted to the account, however BofA is reporting to the Credit Bureaus as me having multiple 30, 60, and 90 day delinquencies which is A ) Incorrect and B ) Preventing me from refinancing the mortgage on my primary residence. 

I have filed a complaint with BofA and they issues a decision to the case that they were correct in their reporting and closed the case. 

On top of that, I paid off in full and closed the account on XX/XX/XXXX and they are still showing delinquent payments of 0 days in XX/XX/XXXX and 0 days in XX/XX/XXXX as well as delinquencies in XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint to inform you that the account listed below is reporting erroneously & is inaccurate. The bank is reporting this account inaccurately. They informed me they had an internal issue & posted me past due on XX/XX/2023 and XX/XX/2023. Please investigate this account & please update the account to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2020 I received a text from the pharmacy that fills my prescriptions that told me they'd been receiving receipts from purchases I made at other businesses. They suggested that those receipts were coming form a company called Square. I went to the Square website and found that there was no way to speak with a live representative by chat nor was there a telephone number that would accept my calls unless I was a registered seller with their company. So, there as no way to fix the error or to take action to prevent identity theft that might result form the misdirected receipts. I am filing this formal complaint because this business refuses contact from the public.
Product: Checking or savings account

My purse and car were stolen a few years back. As a result, my debit card was swiped across town at a gas station, an ATM, and then at an ATM that was associated with my bank. A fraudulent deposit was made into my account. I was totally unaware of the deposit, but reported all of my things stolen before I had any knowledge of the deposit. I reported my things stolen to the police. I communicated back with my bank to find out where my card had been swiped and how many times it was attempted. I reported my findings back to the police and requested that the ATM cameras be pulled so that I could press charges. This was an extremely long and drawn out process. They tried to have the cameras pull but the back hadn't fixed the ATM camera so it only caught the person 's chest and hand ( which clearly weren't mine ). As a result, the bank decided to close my account and reported me to ChexSystems  making it virtually impossible for me to get a bank account with anyone. I did my due diligence by keeping in contact with the bank, reporting what happen, and by involving the police. My account was still shut down and I have had an extremely negative experience because of something that wasn't my fault.
Product: Debt collection

Im in the process of trying to buy a house. In the process of that It was brought to my attention that I have damages on my credit report. According to the 15 USC 1681 Law there should not be any damages on my credit report its defamation to my character
Product: Credit reporting or other personal consumer reports

Account was opened in 2014 ( XX/XX/2014 ). XXXX which means this old credit card should not show on credit report, ,article 18, false reporting, this is fraud, this credit card reporting is past the statue of limitations, they keep putting in on my credit report and it shows up potentially negative. this is hurting my credit and should be removed asap.
Product: Credit reporting

My husband and I applied for a home loan with XXXX home loans lnc. He was approved for the loan, but I was not because I had no credit. Later XXXX got the loan and placed it on my credit report. XXXX, got the loan, and continued to post on my credit report. Experian refused to remove both after my dispute.
Product: Checking or savings account

This is a 2nd complaint to a previous complaint # XXXX-XXXX  I made with you guys.. We had 3 forgery checks that the bank said could take up to 90 days.. The original fraud claims made on XX/XX/14 it is now XX/XX/14 and our fraudulent checks funds have not been returned 4 months later.!! This is absurd, they are insured for this, and we still don't have our money back!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is reporting an account that was closed and paid in XX/XX/XXXXas though i have a recent missed payment on it, as recent as XX/XX/XXXX. I have tried to get them to fix this but even though the evidence is available and obvious and American Express agrees that this account has been closed And paid since XX/XX/XXXX, XXXX  wont change it. If they do not remove this recent derogatory information is will be forced to file suit under the fair credit reporting act. This is negatively effecting my credit according to XXXX own website and I have been trying to refinance my house. This is costing me thousands of dollars. If XXXX  doesnt take simple, honest corrective action here I will get my attorney involved.