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

Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI [ XXXX ] Last 4 of Social : XXXX Credit Bureau : XXXX, TransUnion, and XXXX RE : Reinsertion of unverified accounts To Whom It May Concern, On XX/XX/XXXX, XX/XX/XXXX, I disputed accounts reported by XXXX, TransUnion, and XXXX in the file you maintain under my Social Security number. 

I was informed on XXXX, XX/XX/XXXX, XX/XX/XXXX that the negative item ( s ) were deleted from my credit report. Now I have discovered that the items have been reinserted on my credit report.

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. 
( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. 

I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be removed immediately. 

My contact information is as follows : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX number : XXXX Please govern yourself accordingly. 
Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Product: Debt collection

When I moved out of my apartment, I requested a walk through on XX/XX/2019. The manager literally took out a piece of scrap paper and wrote only the oven needing cleaning. I did not sign any confirmation of final damages and neither did they. I asked her if I could have a copy of the scrap paper she wrote on and she stated that she couldn't make a copy because the " office was being remodeled. '' A few weeks later I received a bill saying that I owed {$700.00} for bogus charges with no proof. XXXX ended up keeping my {$500.00} initial deposit that I gave when I moved in, so if anything {$500.00} minus {$700.00} should be {$200.00}. XXXX  even put the total amount owed on my credit report ( which is incorrect ) but I DO NOT OWE. My apartment was left in pristine condition, actually cleaner than when I moved in as the apartment looked like it just had a run over clean, floors were dirty, all the electric plugs had build up of years of grime on them ( which I made them clean later ) there was even a mildew stench and muggy feeling in the apartment, find out, there was a pipe leak in the wall. I even thought, how can maintenance not even feel how muggy it is and not smell that smell?? Water came leaking through my roof in the bathroom and water leaking out in the hallway coming from the attic where the air conditioner vent is. This goes to show how they do not even maintain their apartments correctly. All XXXX is out for profit at tenants expense. Because this report is on my credit, I am unable to rent a place because the landlords at which I apply, see this owed and deny me. I am asking for XXXX to do the right thing and remove this charge from my credit report at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

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 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 an account without my written instructions. ''
Product: Credit reporting or other personal consumer reports

Ive sent a letter to your company last month on the XXXX ofXX/XX/XXXX and i havent recieved any response.By listing these accounts in this dispute, they have contravened my rights as protected by 15 USC 1681e ( b ). As a result of providing inconsistent information to each credit bureau, I experienced the negative consequences of a diminished credit score. In accordance with the rigorous liability standard of the FCRA, culpability against a CRA can only be established for a single violation.
Product: Mortgage

Do to medical situations Myself and my Wife can no longer make our mortgage payments. Our home has been for sale since XX/XX/XXXX with not even XXXX offer until two weeks ago. The offer is less than the total balance but agreed to the lesser amount. Myself and real agent submitted the paperwork that was requested by Ocwen XX/XX/XXXX I received a letter from Ocwen XX/XX/XXXX stating " kindly provide a copy of XXXX benefit statement income in financial form of RMA ( XXXX XXXX XXXX '' The next line stated " Kindly provide a valid copy of bank statement reflecting XXXX latest transactions for the XXXX income. ( XXXX ) My wife faxed Ocwen the requested information again on XX/XX/XXXX. Another letter was received from Ocwen XXXX XXXX stating " Kindly provide a copy XXXX benefit statement income mentioned in financial form of RMA. " I called and spoke with a representative and asked them to be more specific on what exactly they are requesting. After I explained my wife does not receive a monthly statement from social security and the XXXX confirms her yearly earnings and the bank statement confirmed her monthly earnings the representative agreed and said that was all they needed. So today I have received another l asking me to provide the same information. Another call to Ocwen was terrible and they could not provide me with the what they need for additional paper work. I was transfered to a manager that basically would not listen to my questions and could not provide the correct answer as to what documentation they want. My real estate broker told me its a horror show dealing with Ocwen and now I agree. I had to spend alot of my time in a hospital. I feel so bad to sell my home and its turning into something no one should have to go thru tryning to deal with Ocwen.
Product: Mortgage

Truist bank ( XXXX, NC ) is a terrible company with unhelpful people at every turn. It took over 10 hours on the phone to deal with this last time. They have an escrow account and made me pay for property insurance that I already had. We have told them that we have insurance from XXXX repeatedly ; they have our account number and all of the information needed. We finally got them to refund money that was taken away via the escrow account. 

NOW ON MY XXXX BILL I FIND THAT THERE IS AN ESCROW AMOUNT DEDUCTED FOR INSURANCE. That was the whole point of my MANY HOUR PROCESS TO GET THIS REMOVED!!!!. Why oh why can't they handle this. They KNOW MY INSURANCE COMPANY AND POLICY NUMBER AND HAVE HAD DOZENS OF PHONE CALLS WITH ME ABOUT THIS. REMOVE THE ESCROW AMOUNT ON MY BILL.
Product: Credit card or prepaid card

Today I called the number that I looked up on the computer and they hung up on me a couple of time after I press the number 1 to disconnect my card..and its asking me for my card number but I dont have it cause I lost my whole wallet..hoping to find it around my house but I still havent found it..and then I logged into my unemployment account to see if I could get a replaced card through them that way but I stopped cause it wasnt working either.
Product: Credit card

On XX/XX/XXXX I looked at my Milestone credit card app to pay my bill like normal, as it is due on the XXXX of every month. I initially paid this off and had a zero balance in XX/XX/XXXX so I knew I should not have had a balance whatsoever as I had done it before the interest would hit. When I opened the app and I saw a balance of {$100.00} I was thrown off. I looked at the statement to see why. I saw that I was charged an annual fee and a monthly fee! All to which I had zero knowledge of. I also learned that my credit card company sold themselves to Concora Credit which is the one who imposed the fee. I received no notification of this whatsoever so it was mind-boggling. I immediately called Concora Credit customer service and the customer service representative was haggling me telling me that I needed to pay it so on and so forth. I reminded her that what the company did was illegal because they sent me no notification i was going to get charged an annual and a monthly fee ( which is absolutely insane to have both of those fees as they're essentially the same! ) and she told me she would then zero off the balance and send me a letter of verification that the account has been closed. I received that verification of account closure on Saturday XX/XX/XXXX. I will include a copy of it. It does not have anything except that the account is closed and nothing about the balance being zeroed out or anything related.
Product: Debt collection

This date is a recertification. This did was on my credit report. I have sent this company certified letters in they have not replied back to my response. I was not notify that this company had put this back on my credit report. This is the 3rd party collection agency I have not made any agreements with them Regarding this debt. Please have them check their records. The credit bureaus removed from my credit report in they reinserted back on my credit report. I did not even receive of a 5 day notice that this was gon na be reinserted back of my credit report. I contacted the original agency and they said I didn't owe. This is the FTC that I'm contacting this is not legal I'm asking for the ftc to investigate this in have this removed from my credit report. I asked for original information regarding this debt I was not supplied with the original debt. I am requesting did this be removed from my credit report immediately or legal action will be taken. This company has violated the law in has not provided me anything of my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719 XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offeXXXX XXXX XXXX XXXX XXXX XXXX XXXXant provide to my XXXXXXXX XXXX old daughter
Product: Credit reporting, credit repair services, or other personal consumer reports

regarding XXXX/XXXX  account no.XXXX appearing wrongfully on my XXXX   and experian reports . 
I NEVER ORDERED THIS CARD. 
I NEVER ORDERED ANY MERCHANDISE. 
ALL OF THE CHARGES ON THIS CARD ARE RETURN OR RESTOCKING FEES AND THE INTEREST ASSOCIATED WITH THOSE FEES. 
DELETE THIS FRAUDSTER 'S ACCOUNT FROM ALL CREDIT BUREAUS.
Product: Checking or savings account

I woke up in XX/XX/XXXX to a text asking about charges and I replied no. I looked into my bank and I saw all the charges, 18 totaling {$830.00}. I immediately cancelled my card and called chime to dispute. Chime responded via email that the charges werent fraudulent. Ive sent the police report, photo of text messages, everything and they still say not fraudulent. I have done all I know to do to get help and am getting no where. I have recorded all conversations with chime representatives, and notified them of the recording. All 4 representatives stated the charges looked fraudulent because they were originated in another country than the one I reside in. Please help me!
Product: Vehicle loan or lease

I let Carvana run my credit ; car was preapproved and I was allowed to make a down payment on the car only to be told it was a part of a bankruptcy. XXXX. I filed XXXX XXXX in XXXX and made payments on the existing vehicle - the car was never apart of the discharge. XXXX. If the bankruptcy impacted any future purchases or the present XXXX  I have why didn't Carvana come and get the vehicle. NO funds have been removed from my bank account however this company allowed me to make a down payment on a loan that was obviously not fully processed with the finance company. I made the down payment via XXXX on XX/XX/XXXX and was provided a delivery date and time which would have been on XX/XX/XXXX. I understand saying it is denied because of the bankruptcy but this company allowed me to do a full down payment transaction. The down payment was for {$2000.00}. This is shady business practices at it's best. Sending a complaint to the XXXX  as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple accounts that are incorrect are reporting on my credit reports XXXX/XXXX   XXXX**** XXXX XXXX XXXX**** XXXX XXXX XXXX****
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not revived a response yet. I feel that I am being taking advantage of and being ignored of my disputes. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by XXXX  data breach and may have got into the hands of the wrong person.
Product: Credit card

I have a Bloomingdale 's credit account ( via Department Stores National Bank ) that has charged me a recurring interest fee. When I call to make a payment, it gets paid, but then since there was a fee after the start of the billing period, they charge me another {$2.00}. I 've had prior issues with this organization ( I filed a complaint back in 2014 regarding similar unfair practices ). This is completely absurd and I am sure I am not the only person who has had to deal with this type of activity.
Product: Debt collection

Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to Opt-out at any time. '' I hereby. Opt-out of your reporting services.

According to this U.S. Code 1681a Definitions ; rules of construction ( 2 ) Exclusions ( a ) ( i ) report containing information solely as the transactions or experience between the consumer and the person making the report : Reporting transactions history is illegal. YOU MUST PROVIDE PROOF OF CLAIM. YOU HAVE AN ADDITIONAL 15 DAYs to comply or REMOVE THE DEROGATORY ACCOUNT
Product: Debt collection

I paid the company it was settled in full. Now Solomon and Solomon keeps reporting on my credit report, the bill is originally for XXXX, which is also reporting, They are both reporting for the same bill. Solomon and Solomon is reporting a different amount to make it look like i owe XXXX different debts. Since the account is paid for them already they said it would be deleted when i asked for writing documentation now that it is paid they said they wo n't do anything about it. They are not the original creditor so i do n't know why they wo n't remove the file when it is showing up two times.
Product: Credit reporting or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this items. 
XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX XXXX XXXX XXXX Balance : {$2100.00} XXXX  XXXX XXXX Balance : {$500.00} XXXX  XXXX XXXX XXXX Balance XXXX {$11000.00} XXXX XXXX Balance : {$580.00} XXXX XXXX  XXXX Balance : {$6100.00} XXXX XXXX XXXX XXXX Balance : {$9100.00} XXXXXXXX XXXX XXXX Balance : XXXX  XXXX XXXX Balance : XXXX  XXXX XXXX Balance : XXXX  XXXX XXXX Balance : XXXX  XXXX XXXX Balance : XXXX  XXXX XXXX XXXX
Product: Credit card or prepaid card

OnXX/XX/XXXX my bill is due, XXXX XXXX est is the cutoff, They delayed logon until after XXXX XXXX est, after logging on, they made me enter personal information and account number. Then made me wait for a link sent by yahoo which took a few minutes. This is the only time they have forced subsequent 3 factor authentication. 

This seems to be a current process that card companies use when people are trying to pay close to cutoff.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I was texted and called from Wells Fargo 's phone number from a scammer who had my online username, full name, phone number and bank account balance. I was told my debit card was declined at a XXXX XXXX in Texas and asked if I had authorized this. He then said there was a wire trasnsfer of {$4000.00} initiated and asked if it was authorized. I, of course, said no. I was then sent several verifcation texts from Wells Fargo 's phone number and was asked to text my password as well. This ended up being a scam. The scammer trasnferred {$4000.00} ( plus wire fee ) of of my checking account. I called Wells Fargo while it was pending and asked them to reverse/and or freeze the transfer. They said that they would initiate an investigation and let me know in about 10 days what they had concluded. Despite this being a fraudulent, unauthorized transfer, they have sent me a letter denying my claim. If the bank is federally insured, why am I not getting my savings back?
Product: Checking or savings account

I did a mobile deposit into my Wells Fargo account on XX/XX/24 for a check for {$990.00} and {$400.00} of that was made available immediately. I continued to use my account with the balance that was currently available. The next morning i woke up to my account only have being negative $ XXXX i called and was told the check was placed on hold until XX/XX/24 and i will have the funds on XX/XX/24. In the meantime my account was negative- {$290.00} as of XX/XX/24 which i have screenshots to prove. My direct deposit from employer was made available in the {$2000.00} on XX/XX/24 today on XX/XX/24 when the check was made available
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts should not be on my credit file, simply because they're not mines. Those particular accounts derived from identity theft. Please remove the following 1 ) XXXX XXXX XXXX  2 ) XXXX XXXX
Product: Mortgage

I submitted for short sale review on XX/XX/XXXX. Finally on XX/XX/XXXX it was submitted to the investor for review. I was told it would take XXXX business days. Its now XX/XX/XXXX and I have yet to receive an answer. I have a buyer about to pull out because this is taking so long.
Product: Vehicle loan or lease

on XX/XX/year>XXXX I reviewed my bank transactions and found that Toyota had withdrawn two identical payments of {$560.00}, even though I never requested or authorized two payments. Under the lease, Toyota is entitled to only one payment per month in the amount of {$560.00}. I called my bank, which informed me that these were external withdrawals. I was advised to call Toyota Financial, since they withdrew these funds. I called Toyota Financial, hoping this would be easily resolved. They denied there " was a duplicate payment on their end. '' Effectively, they denied there were two payment and the agent was unhelpful and the call amounted to a waste of time. This a deceptive and shady business practice, and it clearly contravenes the lease terms. There is no question Toyota withdrew a second identical payment. Toyota had not right to withdraw two identical payments, leaving me without {$560.00} for an undetermined amount of time. Toyota should investigate and explain this. I have since de-linked my account and will not use Toyota 's bill pay system. Toyota will get my payment from my bank.