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

I have been a victim of their inquiry issue from Trans Union, the Trans Union customer service does not provide help and dismantle customers. 
This is the worst experience I have experienced. After the call, I feel Trans Union are retaliated the customer, and added another hard pull to my credit report. The score was reduced by 7 points.Trans Union are illegal ( by section 6-11 ) add XX/XX/XXXX inquires back to my report on XX/XX/XXXX, after the phone call with there customer, make me became Trans Union victim of their inquiry issue again.By section 6-11, they are illegal do that, and they are add 7 unauthorized inquiry to my account since two month ago. all the unauthorized hard inquiries from my report should remove.
Product: Mortgage

I was informed by several lawyers that my Ocwen mortgage should have been part of the lawsuit for fraud and robo signing. I contacted the Illinois attorney general and they attempted to intercede on my behalf. Ocwen wrote back to the attorney general saying that they have found no evidence of robo signing of fraud or deceptive practice. Then the go on to say that they need me to be more specific about my complaint and allegations. That is extremely difficult because my loan has been handled by numerous other fraudulent companies that have since disappeared along with the paper trail required by law. My loan wen from option one to homeward to home servicing and a couple more in between all have ceased to exist since the were squired by Ocwen. I tried to get records and documents from the prior loan companies but no phone number or addy exists for them. Ocwen has carefully snuffed out all means of contact and all means of proving fraud and robo signing. No I 'm in pre for kosher because when I applied for a modification Ocwen granted me one with a higher interest rate and the payment only a few dollars away from the mortgage I could n't afford. I am being told to apply for another modification. Today I received the certified letter about the pre foreclosure even though my representative from XXXX Ocwen told me that would not happen. The pre forclosure letter gives me XXXX days before Ocwen issues a full forclosure. I was assured by the Ocwen rep. that she would call me back on XXXX XXXX to dicuss other options and the new modification. Help
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX have requested several time for written proof from the courts. On XX/XX/2021, which is my finial notice. 

XXXX XXXX XXXX dispute any and all alleged debt in reference to CHAPTER XXXX. Notwithstanding the provisions of section 604 [ 1681b ] or any other provision of this title, a consumer reporting agency shall furnish identifying information respecting a consumer, limited to name, address, former addresses, places of employment, or former places of employment, to the Federal Bureau of Investigation when presented with a written request, signed by the Director or the Directors desig-nee, which certifies compliance with this subsection. This error is causing emotional distress, I do not want to run the risk of being denied, paying high Interest fees, denial of lines of credit. 

XXXX XXXX XXXX dont recognize this public record so I contacted the courts and they stated that the information I gave them didnt matched that I ever filed bankruptcy in there courts ; please provide proof from the court of this public record. PLEASE HAVE IN WRITIEN WHER THE COURTS GIVE YOU PRERISSION TO ADD THIS BANKRUCY TO MY CREDIT REPORT. I never file bankruptcy ever in my life this public record on my report is inaccurate and I demand that it gets deleted immediately for violation of my right to privacy FCRA 15 U.S. Code 1681b ( 2 ) and you didnt have permissible purpose to furnish this information on my consumer report ; and violation of FCRA 15 U.S. Code 1681i Procedure in case of disputed accuracy ; if this is not completed within 4 days.
Product: Debt collection

TransUnion and XXXX REFUSE to delete inaccurate information on my credit profile. ALL ACCOUNTS IN COLLECTION WITH BOTH COMPANIES ARE REPORTING AS OPEN. Which is in violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX 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 or other personal consumer reports

I am filing this complaint regarding inaccurate inquiries on my personal credit report. These inquiries are related to business accounts and should not appear on a personal credit report. Despite two prior written disputes to Experian, XXXX, and XXXX on XX/XX/year>, and XX/XX/year>, the errors have not been resolved. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, credit reporting agencies are required to maintain the maximum possible accuracy of reports and to reinvestigate disputes within 30 days. Experian, XXXX, and XXXX have failed to comply with the following provisions : 15 U.S.C. 1681e ( b ) : Procedures to ensure accuracy were not followed.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : The disputes were not properly reinvestigated. 
15 U.S.C. 1681i ( a ) ( 4 ) : Relevant information was not reviewed during reinvestigation.

15 U.S.C. 1681n ( a ) ( 1 ) ( B ) : This failure constitutes willful noncompliance, entitling me to statutory damages of up to {$1000.00} per violation.

I request that the inaccurate inquiries be immediately removed, a corrected credit report be provided, and assurances be given that future inquiries will be properly verified. 

Experian, XXXX, and XXXX have had sufficient time to resolve this matter. Their continued failure to act has forced me to escalate this issue to the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX. XXXX companies ran my credit without my authorization. 

CAPITAL ONE AUTO XXXX XXXX XXXX XXXX These inquiries were made without authorization, and without legitimate business purpose. Please remove these unconfirmed inquiries lacking certifiable evidence unless physically certified and verified proof is demonstrated and provided per U.S. Code 15 U.S.C. 1681 Section 604 of The Fair Credit Reporting Act I await your reply. Once you have fulfilled my request, mail me an updated credit report reflectir changes. 

In accordance with the fair credit Reporting act XXXX this company has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B A creditor may not treat payment on a credit card account under an open end consumer credit plan as late purposes
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION INQUIRIES WITHOUT MY CONSENT OR KNOWLEDGE REPORTED TO THE POLICE FOR BREECH XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX via XXXX XXXX 4.XXXXtransunion interact XXXX XX/XX/XXXX XXXX alert XXXX XXXX XXXX XX/XX/XXXX 6.Transunion Consumer int XX/XX/XXXX threw XX/XX/XXXX 7.Transunion XXXX XXXX XXXX XX/XX/XXXX threw XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX threw XX/XX/XXXX XXXX XXXX via Transunion XXXX XX/XX/XXXX threw XX/XX/XXXX XXXX XXXX XX/XX/XXXX threw XX/XX/XXXX XXXX XXXX via Transunion XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX threw XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXTransunion Interactive XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX threw XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I CONTACTED THIS COMPANY REQUESTING VALIDATION REGARDING THIS DEBT, THE ACCOUNT AND THE INFORMATION REPORTED ABOUT THIS DEBT. THIS COMPANY NEVER RESPONDED TO MY REQUEST OR SENT VALID DOCUMENTATION TO VALIDATE THIER CLAIM. THE COMPANY NEVER GAVE ME AN OPPORTUNITY TO DISPUTE THIER CLAIM AND THE NEGATIVE INFORMATION THAT THEY HAVE REPORTED TO THE CREDIT BUREAUS. FIRST OF ALL THE INFOMRATION THEY HAVE REPORTED IS TOTALLY INCORRECT ; THIS ACCOUNT IS NOT IN IS NOT CURRENTLY IN BANKRUPTCY, AND IT IS CURRENTLY IN A WAGE EARNER PLAN WHICH IS INACCURATE INFORMATION ON MY CREDIT FILE.THE CHAPTER XXXX BANKRUPTCY WAS DISMISSED IN XXXX AND ALL OF MY LOANS ARE CONSOLIDATED WITH ANOTHER LENDER. THIS ACCOUNT IS NOT IN BANKRUPTCY AS I HAVE DISPUTED WITH THE CREDIT BUREAUS. THE CREDIT BUREAUS CLAIM THAT THIS COMPANY VERIFIED THE ACCOUNT AND INFORMATION AS ACCURATE AND I WOULD LIKE TO KNOW HOW. I WOULD LIKE TO KNOW WHAT DOCUMENTATIONS TO THEY HAVE TO VALIDATE THIS ACCOUNT AND TO VERIFY THAT THE INFOMRATION THEY HAVE REPORTED TO XXXX IS ACCURATE. BY LAW THEY WERE SUPPOSED TO RESPOND TO MY REQUEST AND VALIDATE THIS INFORMATION WITH COMPETENT EVIDENCE AS I SENT THEM A LETTER VIA XXXX MAIL AND NEVER RECEIVED A RESPONSE. THAT IS A VIOLATION OF THE FAIR CREDIT COLLECTION ACT, AND THE FAIR DEBT REPORTING PRACTICES ACT.
Product: Credit reporting or other personal consumer reports

On the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I sent letters regarding two inaccurate and unknown accounts on my credit report. The amounts in question are {$3200.00} and {$2000.00}. 

Despite my repeated attempts to resolve these discrepancies, I have not received any response for over 60 days. I feel I am being taken advantage of and my disputes are being ignored. 

According to Section 611 ( a ) of the Fair Credit Reporting Act, a failure to investigate these items within 30 days provides sufficient grounds for their immediate removal from my credit report. Given that it has now been over 60 days, these accounts should be promptly deleted. 

I demand the immediate deletion of these accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Denefits LLC has violated the cares act and my right to privacy by providing this information to CRAs.In addition, this is a medical bill. 

I want this info removed immediately. They violate of 15 USC 1666B : A creditor may not treat a payment on a credit account under an open-end consumer credit plan as a late payment for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing a collection that only TransUnion ( of the 3 credit bureaus ) refuses to remove from my report. It is a alleged collection for {$230.00} from XXXX XXXX. This collection is an extortion attempt. As the services received were paid in full. TransUnion said they did an investigation and the account was verified, however I was never interviewed so any investigation that was done couldnt be complete when only one side was investigated. TransUnion is basically taking the word of XXXX XXXX and making the horrible assumption they are correct. TransUnion must report only accurate information and there is no way they can prove this is accurate by a one sided investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  I In accordance with the fair credit reporting act the list of accounts below has violated my federal protective consumer rights to privacy and confidential under 15 USC 1681 15 USC 1681 section 602 A States I have a right of privacy 15 USC 1681 Section 604 section 2 It also steaks a consumer reporting age can not furnish a account without my written instruction.

15 USC 1681c ( a ) ( 5 ) Section States No consumer reporting agency my make any consumer reporting contain any other following items of information any other adverse items of information other than records of conviction of crimes which antedates the report by more than 7 years 15 USC 1681s-2 ( A ) ( 1 ) A person shall not Parrish 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 in accurate
Product: Checking or savings account

In XXXX of XXXX I had major fraud committed on my checking and savings account with Wells Fargo. Due to the amount of money taken ( over XXXX ) it was referred to the XXXX XXXX fraud department. Here is the issue, Wells Fargo will not give you the number to this dept., they send them a message and they attempt to call you back in 3-5 days. If you miss it, then you have to start the whole process again. I never once was able to speak with someone from the XXXX XXXX fraud department. All I got was a letter saying they found I authorized the transactionsover XXXX overnight to an Apple Store in NY. I had banked with them since XXXX. I feel that they deliberately made it impossible to contact the department I needed to resolve this issue. I had no history of any type of expenditure that large, ever, yet in a few days I had a letter saying they investigated and the charges were authorized. The accounts were all closed and I have no access to the old accounts now to provide account numbers as Wells Fargo removed them
Product: Credit card

On Tuesday XX/XX/XXXX my PNC credit card began to decline payments. I called PNC XXXX support at XXXXXXXX XXXX to resolve the issue. The service representative told me he did not know why my card stopped working completely as my account is in good standing and my expiration date is XX/XX/XXXX. He suggested there is a system expiration date " mistmatch '' and that I should have received a new card the week prior. I was never sent notification of a new card or an account issue. He stated my new card will be delivered to my address on file in XXXX business days. I was about to travel internationally by the time the new card was supposed to be delivered so I requested a rushed delivery to which was denied. I returned from my travel on Tuesday XX/XX/XXXX to no card. I called my local PNC Bank branch in XXXX, WV, and they did not see anything about a new card being delivered or investigation opened. The PNC Bank branch filed a new complaint internally and promised my card to be delivered to their branch within 7-10 business days. I never received a call or an explanation as to why my card was shut off or that my new card was delivered. Today XX/XX/XXXX, I called the local PNC Bank branch to see where my card is and where the investigation has gone. The card was not delviered again, and the status of the investigation is still " unknown ''. Today, XX/XX/XXXX PNC Bank has now promised a third time that they will have a new card sent to my address on record and filing a complaint internally. 3 months have surpassed since I have had a working credit card on a good standing account. I have received no answer as to why this has occured. I have had to change all of my automatic payments to a different card, causing late fees, and stress. In addition to that, I was unable to use my credit card during international travel, and had to resort to using a PNC XXXX XXXX overseas, which charges international transaction fees. This is unacceptable.
Product: Credit reporting or other personal consumer reports

I have obtained and looked over a copy of my credit report for review and I noticed that there are some fraud accounts listed on my report. I have attempted to resolve this matter with the credit bureau to rectify this affair but they have been, dismissive and negligent in regards to complying with my request for correction. The disputed information is not related to any transaction made by me. 

These accounts and inquiries listed do not belong to me and are invalid. The disputed information does not relate to any transaction made by me. A copy of my drivers license, social security card, and FTC report. 

I have not had a good experience trying to resolve these issues. In the dispute I have highlighted key areas of importance in the colors red and blue. I wrote clear statement outlining the problem, accounts, what the violation is, how it was violated, what was not done to protect me, and references to support my standpoints with validity. 
I have requested my full information on file. The credit reporting agency has yet to send me the disclosures requested according to 15 USC 1681g : Disclosures to consumers ( a ) Information on file ; sources ; report recipients
Product: Mortgage

We are trying to get a payoff demand from Ditech. We faxed a payoff demand request on XX/XX/XXXX. I called on XX/XX/XXXX as i had not received the payoff demand yet. The rep said it takes 5-7 business days so we should have it within a few days. 

I called today XX/XX/XXXX because we still have not received the payoff demand. I was told that the payoff was not even ordered until i called in on XX/XX/XXXX. They don't care that we sent a written request for the demand on XX/XX/XXXX. 



*****This property has equity. We have a buyer who has been waiting to close escrow. This is NOT a short sale and Ditech WILL BE GETTING A *FULL* PAYOFF. 


XXXX Ditech is refusing to provide a payoff demand and is PURPOSELY DEFRAUDING THIS ELDERLY WOMAN OUT OF THE EQUITY OF HER OWN HOME!!!!!!!!!!! 


There is an upcoming foreclosure date of XX/XX/XXXX. I need a Payoff Demand immediately, and a postponement of the foreclosure date due to Ditech 's superfluous delays.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

2 charges on my account unauthorized. WF said unable to refund due to chip being used.
Product: Debt collection

I am writing to dispute the following information on my credit report from Net Credit. A settlement was made on XX/XX/2019 on my behalf by a settlement agency " XXXX XXXX XXXX  '' in the amount of {$2300.00}. Of that settlement {$2200.00} has been paid to Net Credit. 

During the pandemic, I missed a payment as I moved to XXXX, as a result Net Credit cancelled my agreement and basically took my money and are saying I owe approx {$4500.00}. 

I have did attempted to reinstate my settlement agreement with Net Credit and pay the remainder of the settlement owed {$130.00}, however they have been extremely difficult and unreasonable to deal with. They will not acknowledge that I have paid {$2200.00} towards the settlement, making them a predatory lender. 

Please find proof of payments that were paid to Net Credit. Can you please investigate this matter and delete the disputed item as soon as possible, as it is 100 % incorrect.
Product: Credit card or prepaid card

Bmo made a mathematical error on my credit account. I ask for review of account but I was denied this. As you can see from 12 month summary Im owed over XXXX dollars.
Product: Credit card

Customer Service U.S. Bank XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Complaint Regarding Incorrect Late Fee Charged and Auto-Pay Issue Dear U.S. Bank Customer Service XXXX XXXX am writing to formally file a complaint regarding a late fee of {$30.00} charged to my State Farmers XXXX account XXXX Account Number : XXXX ) on XXXX XXXX XXXX I believe this charge was issued due to an error that occurred when I visited the XXXX XXXX  branch in XXXX XXXX to verify the proper setup of my auto-pay, and I am deeply dissatisfied with the outcome.

In XXXX XXXX, I went to the Montclair branch to confirm that my auto-pay would continue while I was going abroad for an extended period. I was going to XXXX for 9 months and would not be returning until XXXX XXXX, so it was imperative that the auto-pay function was set up properly to ensure my bills were paid on time. I was assured by the branch representative that everything was correctly set up and that no further action was needed. However, I was later informed that the auto-pay was inadvertently canceled on XXXX XXXX XXXX which led to the late fee being charged. 

Since this error was made by the bank and not by me, I believe that I should not be held responsible for the late fee. While I was out of the country, I did not have access to my account, and it was only after a video call with my husband in XXXX XXXX  that I became aware of the issue. My husband, who is not listed as an account holder, could not access the account on his own and required my assistance to make the payment once I returned to the XXXX. 

Given these circumstances, I respectfully request that the {$30.00} late fee be refunded, as it was not a result of any negligence or oversight on my part. I took the necessary steps to ensure everything was in order before I left for my extended trip, and the mistake was entirely due to the branch 's error. After speaking with a supervisor named XXXX, I understand that US Bank has declined to reverse the charge based on the claim that the fee is over XXXX months old, but I believe this policy does not account for the exceptional circumstances in this case. 

I would appreciate a thorough review of this matter and a resolution that acknowledges the banks responsibility in this instance. I have been a loyal customer of US Bank for several years and hope that we can resolve this issue fairly. 

Thank you for your time and attention. I look forward to your prompt response. 

Sincerely, [ Your Name ]