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

bureau name : TRANSUNION bureau address : TRANSUNION LLC CONSUMER DISPUTE CENTER XXXX XXXX XXXX XXXX, PA XXXX CREDIT REPAIR CONSUMER LAWS : Based on, You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by the consumer. 
After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by a consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer according to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) The transaction consists of a firm offer of credit or insurance. 
( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that a consumer does not initiate. 
Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. 
I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 

Dear TRANSUNION, The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

Unauthorized Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  under 15 US Code 1681n ( b ) civil liability of a natural person, Ive been violated. Also, we have already involved and sent this letter to the Complaint portal for ( the Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission ).
Product: Debt collection

This company Emergent Servicing keeps bothering me and harrassing me for a debt they do not even tell me about. When they finally sent a letter I was like I do not owe this. The original company said I did not owe this. Stop harrassing me.
Product: Vehicle loan or lease

I called GM Financial on XX/XX/2020 because I had a bill for {$710.00}. They told me that I should receive my bill in the mail and gave me the website to look at the damages that I was being charged for. I returned the vehicle to XXXX XXXX in XXXX, NM. The manager that looked over my XXXX said that everything looked good and he didnt think I would be charged anything. I was shocked when I saw this bill. I took pictures of my XXXX and the damages and pictures that are on there were not on the vehicle when I turned it in. I sent an email to XXXX on XX/XX/2020 and attentioned it to XXXX. He was the gentleman helping me and gave me those instructions. I also included the pictures that I had taken. I paid the bill because it was due on XX/XX/2020 and didnt want it to affect my credit score. I havent heard back as of today XX/XX/2020. I was also unaware of the disposition fee of {$390.00}. The day I turned my vehicle in they gave me a remaining lease obligation that stated {$0.00} owed. As I said previously I turned my leased vehicle in on XX/XX/2020, the inspection wasnt done until XX/XX/2020. I dont know where the vehicle was kept or who drove it for the 26 days in between the inspection. I had absolutely no control over where or how it was kept and find it incredibly unfair that I am having to pay for damages that I did not do. I took care of the vehicle and did not turn it in the condition that those pictures show. I attached the pictures that I took of the vehicle minutes before taking it to XXXX which show that those damages were not there the day I turned it in.
Product: Mortgage

I did a loan modification with Wells Fargo, but the amount of the monthly payments were as high or higher than previous monthly payments. They then did not approve me for another loan modification. I did not receive any notices of foreclosure or closing documents even though they knew my email address. They also charged me many fees and didn't want to work with me to allow me to keep my home. 
They also changed my Home Preservation Specialist contact person many times. 
XXXX XXXX initially XX/XX/XXXX, than XXXX XXXX XXXX around XX/XX/XXXX, than XXXX XXXX around XX/XX/XXXX, than XXXX XXXX around XX/XX/XXXX, than XXXX XXXX around XX/XX/XXXX. Finally, after all the new reps they kept changing on me, XXXX XXXX XXXX just stopped answering my emails and phone calls and I heard nothing from Wells Fargo again until XX/XX/XXXX when they started the foreclosure process. 
During the times when they kept changing my point of contact, the replacement representatives didn't seem to share my information, as such, I was required to re-submit all the documents again and again and again. 
I was so stressed as both my parents passed away ( father in XXXX and mother in XXXX ), my wife 's mother passed away in XX/XX/XXXX and with XXXX XXXX going under and XXXX, Wells Fargo took advantage of me and " stole '' my home away from me.
Product: Mortgage

I have a 1st mortgage with XXXX XXXX. The loan investor is XXXX XXXX. I have a 2nd mortgage with Navy Federal Credit Union. 

XXXX XXXX will only allow a total payment to Navy Federal Credit Union of $ XXXX as part of the short sale and Navy Fed is refusing to consider this amount. Navy Fed is demanding $ XXXX. 

I simply want this escalated to a department that can possibly override the collection dept. of Navy Fed to see if someone can reconsider the $ XXXX offer from XXXX XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert of two hard inquiries to my credit. I have not applied for any credit cards or loans. The companies the had the inquiries are XXXX XXXX XXXX and XXXX / XXXX XXXX. I could not reach XXXX and XXXX stated they didn't show anything. Contacted XXXX to dispute it.
Product: Credit card

Atrocious Experience with Citi Diamond Preferred Card Terrible Card! Don't be fooled! I always receive an invite in my mail box about this Citi Diamond preferred card back in XX/XX/XXXX and that they are offering 0 % introductory APR for 21 months from date of first transfer when transfers are completed within 4 months from date of account opening. I was convinced to avail. Now today, XX/XX/XXXX I was not even close to the 21 months of using it, but they already charged me exorbitant amount of money for the interest amounting to {$60.00} which makes my minimum payment of due of {$93.00}. I tried calling their customer service rep on the phone and even had the chance to talk to his supervisor to explain to me how this happened, they said I was offered 21 months in the mail by XX/XX/XXXX but as what they are seeing in my account, the 0 % APR is only good for 18 months. I asked them why would they advertise 21 months with 0 % APR for all their platforms but not stick to it and just give customers like me only 18 months. THEY CAN'T EXPLAIN THAT! I asked if It's because of the credit worthiness? For I do not have any late payments. Again, THEY CAN'T EXPLAIN THAT! They just told me that I will receive a letter within 7 business days about the dispute I am asking them. Very Bad customer service and very Atrocious Experience with the Card and their personnel! Beware of this Card! I want to file a formal complaint of misleading information. I would also like to know if they can remove this amount they put for my interest rate this month and still be able to get the 21 months 0 % APR like what they have been advertising all over their platforms. Thank you.
Product: Credit reporting or other personal consumer reports

As I was trying to move into another apartment I noticed An Eviction from XXXX XXXX XXXX To my complete and unbiased knowledge ( * National Tenant Network, Rent Reporters * ) has a responsibility to ensure accuracy and completeness on ANYTHING you are reporting on me pursuant 15 U.S.C. 1681. 
Having the understanding and position, I am requesting that you forward me any supporting or justifying documents you have on my file allowing you to report this alleged eviction. 
I am expecting a response from you within 14 days from the date you receive this letter. If said documents can not be produced, please delete this eviction from my report immediately.
Product: Credit reporting or other personal consumer reports

15 U.S.C 1681 secon 602 A. States I have the right to privacy.

15 U.S.C 1681 Secon 604 A Secton 2 : It also states a consumer reporng agency can not furnish a account without my wrien instrucons. 

I checked my credit report with TransUnion and found an inquiry from XXXX on XX/XX/year> I have a consumer statement on TransUnion 's website informing them I have been a victim of identity theft multiple times and provided instructions for anyone needing to review my credit to contact me. The company never contacted me nor did TransUnion.. 

TransUnion does not allow me to dispute the inquiry on their website. They instructed me to call T-mobile. 

I called XXXX. The representative does not know why my credit was checked. I havr been an existing customer for almost 3 years. They confirmed that I did not apply for a new service or product. The company stated they do not have the ability to remove the inquiry.
Product: Credit card

In connection with a dispute with Bestbuy over a purchased product that was not delivered in box ( which case we just won in court ). I spoke with someone over the phone who claimed to be a Bestbuy customer service representative ; however, the individual was not a representative from Bestbuy.

The individual used our account information to make charges totaling {$400.00}, which we did not authorize. This is a case of digital identity theft. We have photos of the alerts to our phones regarding this fraudulent charge, a confirmation photo ( email ) from XXXX who helped us regain control to our XXXX XXXX XXXX and a copy of a filed police report. 

Citi Bank via a Bestbuy letterhead did not provide us with a detailed account of their internal investigation. We would like Citi Bank to reimburse the {$400.00} to us.
Product: Debt collection

This was an old debt with XXXX XXXX XXXX XXXX, I paid the debt off through Elan Financial Services around XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

Loans were taken out from XX/XX/XXXX-XX/XX/XXXX Loans were consolidated in XX/XX/XXXX.  However, I am in Texas and based on the statue of limitation accounts should be removed after 4 years. While, I am aware that I am still responsible for payments. It is reporting incorrectly with credit bureau. This also goes for student loans also. Data reporting is incorrect.
Product: Debt collection

Im completely unaware and have NO KNOWLEDGE of all hard inquiries and collections accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained a copy of my credit report, which contains inaccurate or outdated information reported by your TransUnion. in accordance with the Fair Credit Reporting Act, XXXX XXXX section XXXX. 
Bank XXXX XXXX Acct XXXX XXXX Bank XXXX XXXX Acct XXXX XXXX Bank XXXX XXXX Acct # XXXX THD/CBNA Acct # XXXX XXXX CARD Acct # XXXX XXXX BANK XXXX # XXXX XXXX BANK NA Acct # XXXX The following inaccurate information must be removed in order to show my true credit history, as these items should not be on my report. Pursuant to the Fair Credit Reporting Act
Product: Vehicle loan or lease

Please help me The lease company refused to give me a bill of sale so i can not register my car after i paid it off. 

I have tried for months and months and months to get a SIGNED bill of sale with... 
Date it was paid off ( buyout date ) Amount of taxis paid Buy out amount They keep sending docusign DMV will not let me reigester the car with out a SIGNED bill of sale - I have a ticket on this car i can not fix and my bills are going into the thousands. The lease company WILL NOT SEND ME MY SIGNED BILL OF SALE it needs to be a WET SIGNATURE - signed to register it I dont know what to do because technically this car is still theirs and they will not cooperate. 
They will not even tell me where their office is so i can go there. 

NOTHING please can you get them to send me a SIGNED SIGNED SIGNED 9wet signature ) bill of sale thank you
Product: Debt collection

Under FDCPA regulations you can not collect a debt that is over 6 years old I provided court documentation to establish a approximate date of XXXX to XX/XX/XXXX when the law suit was filed so the actual debt would have been XXXX or older. Furthermore this was a court case credit debt filed in XX/XX/XXXX which again is past the statue of limitations for collecting a debt which as I am sure you are fully aware of is a FDCPA violation. I would also like to add the misleading letter attached to this complaint with what appears to be threatening legal action if payment is not made? I would like to add that reaging a debt is illegal and that before we take action because of all these FDCPA violations and the fact the our rights are being violated for this clearly outdated debt. We are officially requesting all debt validation, chain of title, original creditors charge-off account, all payments made on account, and the debt purchase agreement and any other information contained there in. We request this information than after that we are officially requesting a cease and desist order for all collections and reporting of debt and removal of set debt from all three credit reporting agencies immediately. I trust that you will take this matter seriously and handle it in a timely and professional matter. I look forward to receiving a satisfactory resolution to all these matters.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Disputing Information in Credit Report I am writing to dispute the following information that XXXX XXXX  supplied to XXXX, Transunion and XXXX credit bureaus ; whose report has incorrect information that has not been updated in reference to two Accounts ( XXXX open XXXX XXXX & XXXX XXXX XXXX ) that I previously had with XXXX. 


Prior to the Pandemic I had Impeccable Payment history XXXX  credit score, I value being a financially responsible client. However, during XXXX I suffered from a major hardship, I had a great death in my family and I lost my former husband, who at the time was my primary source of income. I also was laid off from my Job due to major cutbacks. Being a Widowed wife and a mother XXXX XXXX It was hard to meet all my financial hardships. Nevertheless, I did not want to neglect my financial obligations. In XXXX I reached out to XXXX in reference to 2 Accounts that I had at the time and requested Hardship options, I agreed to do a settlement with your company, hence each account was paid. I was informed that the account would be kept current, no late payments will be reported due to me agreeing to settle the account. According to the Cares ACT, the CARES Act states if you make a debt-relief agreement, that creditor must continue to report the debt as current. Therefore, no late payments should reflect my credit file during that time. I contest that XXXX remove all late payment history as soon as possible to be in compliance with the federal law. To ensure that creditors adhere to the Federal Law which prohibits Negative Credit Reporting according to The CARES Act signed into law on XX/XX/XXXX, Act to amend Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during XXXX XXXX. ( 15U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) This has been an ongoing issue. I have reached out to them in XXXX, XXXX, and just recently XXXX XXXX via dispute through my credit bureau, however both accounts remain the same inaccurately Late Payment history. 

Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed late payment items as soon as possible.
Product: Credit reporting or other personal consumer reports

To whom it may concern, Please permanently remove the negative collection/derogatory items from my credit profile for XXXX XXXX XXXX XXXX amount of {$480.00}. 
The company agreed that this could not be validated according to the FCRA and sent a notice of removal to XXXX credit bureau however it keeps re-appearing on my XXXX after they remove it. This item also needs to be removed from XXXX and Equifax as they have confirmed they were not able to validate this debt. 

I have attached document to show proof of this being invalid debt reporting to my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

went to dealership was told in house financing but ran my credit with other companies without telling me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I never E Sigmed for a loan with XXXX XXXX XXXX. They keep calling and harassing me, they dont stop. I want proof that It was my signature on the pay day loan, that they claim is my loan.I contacted XXXX  to monitor my accounts for fraudulent activity. 
There Was no legal documentation sent to me. I want proof., I dont have any. 
They never answer the phone, you give up trying. They are criminals.
Product: Credit card or prepaid card

I was CAPITAL ONE BANK USA customer since 2019 and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " '' goodwill '' '' adjustment to your reporting to the three credit agencies. I have late payments on the account XXXX. Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payment due to covid-19 pandemic from my credit report.
Product: Debt collection

Mountain Run committed fraud by attempting to collect from a debt they manufactured I was living at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX in XXXX Signed and initial my name on bogus contract.
Product: Debt collection

NOTICE OF CEASE AND DESIST TO WHOM IT MAY CONCERN. 
I XXXX XXXX XXXX XXXX, a federally protected consumer, here by put XXXX XXXX XXXX A debt collector a formal notice of violation, in reference to an account they are furnishing on my credit report. 
XXXX XXXX XXXX According to 15USC 1692a ( 2 ), the term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 
As per the literal interpretation Any Medium : includes any oral, written, electronic or any medium. 
Therefore, furnishing of the consumer report ( bearing information regarding the alleged debt ) by the company will amount to communication as per Fair Debt Collection Practices Act ( FDCPA ) Pursuant to my right as per 15USC 1692C ( C ), I am hereby providing you formal notice to cease any further communications regarding this account immediately, this includes but not limited to telephone calls, social media, or any consumer reporting agency. 
Any further contact by your agent or company, except a communication confirming your acknowledgement of this letter, is in violation of Fair Debt Collection Practices Act ( FDCPA ). 
I do not have any business with your company, and I do not owe this alleged debt. 
A charged off account is an ordinary income and kindly provide the 1099 c document from who ever sold this account to you. 
If you do not remove this account in 5 working days, you will be civilly liable to me for actual damages you have caused me mentally and financially. 
This is a warning, take this seriously. 
Thank You for your cooperation. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX Balance Owed : {$5500.00} XXXX XXXX XXXX Balance Owed : {$650.00}
Product: Debt collection

XX/XX/year> a dept validation was sent certified mail to both companies trying to collect a dept by calling my phone. I sent a validation of dept certified mail to the companies listed they received the mail on XX/XX/XXXX, XXXX XXXX  as provided through the tracking number They never verified information and never sent and response to letter sent by law this dept has not been validated and must be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union is insensitive to my age and health situation and is denying me credit and filing incorrect credit reports with missing information or old information that is not relevant this is clearly affecting me XXXX and XXXX  and placing my health at risk and denying me a XXXX credit card through XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The freeze was lifted, so they said. We tried to call on the weekend and no one could answer. We called on Monday and they said it was a lock not in unfreeze. We ask for help and Experian sent us to XXXX, they said their tools were not working. All we want is it unfrozen to obtain an XXXX XXXX credit card and we have yet to successfully do that after four days its Monday afternoon and its still frozen and we still havent got an approval