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

A computer glitch that was Transunion 's probelm, not mine, caused my inquires to be deleted. TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days  prior to them re-adding them. 
I contacted TransUnion on XX/XX/XXXX in good faith to ask them to delete the inquiries that they illegally re-added. I spoke with XXXX, and he denied my request for the inquires to be deleted. I spoke with him at XXXX. He denied that this glitch effected me and he will not be removing the inquires. I understand my rights and legal protection. I also understand that when TransUnion had this glitch in XX/XX/XXXXand XX/XX/XXXX, it effected EVERYONE. 
These inquires added a hardship to my credit and my rights have been violated by TransUnion. 
Can you please help me from being victimized by TransUnion?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXX  Bankruptcy Reference # : XXXX ; XXXX XXXX  Bankruptcy Reference # : XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX  Bankruptcy Reference # : XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX
Product: Mortgage

On XX/XX/XXXX, we closed on our new mortgage with XXXX XXXX XXXX  and part of that closing, we were reassured that we could recast our loan. Shortly after closing our loan was sold to Dovenmuehle Mortgage. At the end of XX/XX/XXXX, we called the Dovenmuehle Mortgage and requested a call back regarding recasting the loan. In mid XXXX, we received a letter dated XX/XX/XXXX stating that they had received our inquiry and will respond within the time limit required by law. On XX/XX/XXXX, we called Dovenmuehle Mortgage and was advised that we had to send an email to XXXX. We sent our first email requesting a response to be recasting our loan, which we received no response. On XX/XX/XXXX, we sent a second email again requesting a call to discuss recasting our loan, which no response was received. In early XXXX, we received a letter dated XX/XX/XXXX, requesting an additional 15 days to respond to my inquiry and a promise we will respond no later than XX/XX/XXXX. On XX/XX/XXXX, we spoke to XXXX, Customer Service Supervisor for Dovenmuehle Mortgage, who advised that we had to send a request to XXXX, which we did on that day. On or around XX/XX/XXXX, we received a letter dated XX/XX/XXXX, stating that our Private Mortgage Insurance has been terminated. To date, we are still awaiting a response to recast our loan and have had to pay the Dovenmuehle Mortgage interest for the full amount costing us approximately {$900.00} in monthly interest when it should have been approximately {$330.00} per month and declining, as we would like to apply {$150000.00} towards the {$280000.00} balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe that I have a legitimate complaint against XXXX XXXX XXXX XXXX. This problem started when I lived in the state of XXXX  and right before I moved to the state of XXXX. On XX/XX/2017, I made a trade in on my former vehicle. The deal was finalized on XX/XX/2017. The payoff was requested and the transfer of vehicles that same day. The payoff from XXXX XXXX XXXX XXXX was requested by the finance company implemented by the dealership. However, even though the transfer was finalized well within the 30-day timeline to be reported late, XXXX XXXX has violated my rights under the Fair Credit Reporting Act on several levels. Most importantly, this organization has hundreds of complaints against their reporting and collection methods on the internet. The reporting shows as follows on all three respective credit bureaus : XXXX  : 30-days late XX/XX/2017, XX/XX/2017 and XX/XX/2017 EQUIFAX : 30-days late XX/XX/2017 and XX/XX/2017 XXXX XXXX : 30-days late XX/XX/2017 and XX/XX/2017 This reporting is absurd, as the transfer date should have been the date of wire transfer of funds releasing title to the dealership. XXXX XXXX XXXX XXXX has gone through large measures to cause major damages to my personal credit report. The late payments need to be purged immediately and permanently. I believe that XXXX XXXX XXXX XXXX is also in violation with their subscriber agreement with XXXX, Equifax and XXXX XXXX respectfully. I am posting a complaint with the major credit bureaus directly. I simply cant purchase a new home with the way this particular credit trade line is reporting, and its simply a clerical error ( s )  with XXXX XXXX XXXX XXXX being the sole responsible party. This matter needs to be addressed and corrected immediately.
Product: Credit reporting or other personal consumer reports

XX/XX/year>, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if that's the case. How did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I decided to order new checks from my checking account at CitiBank, using the internet. When I clicked onto what I believed to be the Citi-Bank site a red flag appeared saying my account was frozen, for some reason and I needed to call the number that they gave. I foolishly called the number and was told that someone in Texas or Ohio had tried getting {$5000.00} from my account. It looked suspicious, so they called me, to see if it was legitimate. I told him the charge was not correct and of course he was going to get the " freeze '' lifted from my account to do something to protect my account in the future. He strung me along for about 4 hours and by the time I realized what was going on they had lifted two wire transfers from my account one for {$49000.00} and another for {$49000.00} with service fees for each one of {$17.00} each. I turned off my computer before he completed whatever he was doing and he got very upset throwing out swear words. He then came back on the phone and was talking fast and apologizing for it taking so long and started giving me a bunch of numbers that I don't know what they were. One of them he said was a " claim number '', XXXX and he said his employee number was " XXXX '' I asked for his name and he said it was XXXX XXXX. I do not believe that any of these numbers or names mean anything. 

On XX/XX/XXXX, I reported the event to Citi-Bank . Then filed a complaint with the XXXX XXXX XXXX  XXXX XXXX  Their case number is XXXX and the deputy that took the report was XXXX XXXX. After that I also filed a report with the FBI. 

During the phone exchange on XX/XX/XXXX at XXXX I got a text on my cell which I believe is from CitiBank asking me if I made a wire transfer from my account, one text was for {$49000.00} and the other for {$49000.00} as shown in attached screen shot of my phone. Both texts were answered NO. 

I noticed the transfers had gone off of my account and called the fraud department to understand why. They said it was too late to get them back, but they were able after a few days to return {$49000.00} to my account, but the XXXX  who called kept getting the amounts confused. When I questioned the other amount they said it was gone and nothing they could do about it. In a few days I called them back and they said I needed to fill out some forms notarized and send back to them, which I did. The about 2 weeks later I got a form letter from them stating they were not returning my entire {$99000.00}! They had already returned $ {$49000.00} so I knew they were at fault. 

The fraud claim number at XXXX XXXX The claim was denied again on XXXX because of " No new information was received or discovered that would change the denial decision '' This came after we sent the additional document they requested ( attached ) I am still waiting to get my money back!
Product: Debt collection

I keep getting calls every two hours from Diversified Consultants with no message being left. I never consented for them to call me nor did I ever agree to do business with them. I do not have any accounts in collection and they keep harassing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting Act XXXX XXXX # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

I am lodging a complaint once again to notify you of an incident of identity theft that I have encountered. I accessed the FEDERAL TRADE COMMISSION website at XXXX : XXXX and initiated the process of filing an identity theft report. Pursuant to FCRA XXXX XXXX, XXXX XXXX XXXX are mandated to expunge any entries indicated on an identity theft report with reference # XXXX. Enclosed are the documents supporting the removal of inaccurate information that is currently appearing on my report. The following are the items that are not associated with me or were opened without my authorization : -- -- -- -- -- -- -- -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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with FCRA Section 605B ( a ), Credit Reporting Agencies are required to eliminate any items in the consumer 's file that the consumer identifies as information resulting from alleged identity theft within XXXX business days of receipt.
Product: Credit card or prepaid card

In XXXX of 2019 after making large payments to my balance my interest rate was increased from around 10 % to almost 24 % with no justifiable reasoning as I havent been late paying in over two years. Not even when I was late did it increase to such an amount. Also, I called several times to inquire about the reasoning and I was given a poor excuse that they reviewed my account recently showing an increase in usage, but only after I made large payment amounts. The other issue is they are not paying down the highest interest rate balance first causing me, for over a year, to pay more in interest for utilizing my credit card as the balance subject the higher interest only goes up. Now with the current situation my balance is going up more and more because Im only able to pay a few dollars more than the minimum balance. This is an abuse to perpetuate a persons debt to only increase.
Product: Vehicle loan or lease

They came and got it without letting me knowing they was getting. 

XXXX, XX/XX/XXXX, {$2400.00} XXXX XXXX, XX/XX/XXXX, {$9000.00} If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

( 1 ) Attached First Qualified Written Request ( QWR ) 's item 7 required Select Portfolio Servicing ( SPS ) to prove its standing to collect Mortgage Payments. Without proving SPSs standing, SPS illegally accessed my Credit report under false pretext and invading my Pr ivacy under FCRA. ( 2 ) SPS is collecting money from me via the Escrow Account, yet refused to pay for Property Insurance that I have with XXXX XXXX, since 2002. 

This is the most corrupt company in US for servicing any mortgage loan by customers ' feedback. SPS 's main business goal is to " fradulently foreclose and seize people 's home ''.
Product: Prepaid card

Money network will not respond i have multiple transactions i need to dispute and i cant get in touch with anyone all i get is a busy tone. I will list the transactions that are unauthorized. I never shared my card info nor my pin. I am not sure who used my info but i really need my money back. Please help me.there is also a few pending transactions from the merchant XXXX XXXX that i would include with the dispute because all transactions from the merchant are unauuhorized Card # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i was in prison when identity thieft occur for XXXX XXXX, self lender in the amount of XXXX on XX/XX/XXXX i filed a FTC REPORT AND CONTACTED THE POLICE AND TRANSUNION ON XX/XX/XXXX TRANSUNION HAS NOT REPLYED AND HAVE NOT UPDATED OR REMOVED ACCOUNT
Product: Debt collection

Yesterday I was called by the phone number XXXX XXXX XXXX stating that I needed to update my debit card information. As this was not the company I originally set up a payment plan with I started asking questions to which I got very little response. I was hung up on twice, and a XXXX XXXX started yelling when I asked for an email to contact them so I could have a paper trail saying that he did not have an email. He said that he was calling from a law office of Jonathon C Frank,  which the phone number online is XXXX and they do have an email. So I 'm not sure if this is even a real company. I had my boss talk to them as I was extremely confused and she also got very little information. I called the law office number from the website I found and left them a message letting them know to call me back so someone can confirm.
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that 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 Please block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Debt collection

XXXX XXXX XXXX, attorney for the law firm XXXX XXXX XXXX XXXX XXXX XXXX, XXXX.disregards federal bankruptcy law and  states that a consumers wife 's medical debt due to XXXX is questionable or fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX Balance : {$430.00} ; XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX Balance : {$590.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$300.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$300.00} ; XXXX  XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$460.00} ; XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$84.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$220.00} ; XXXX XXXX XXXX Balance : {$130.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$300.00} ; XXXX XXXX Balance : {$330.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXXXXXX 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 or other personal consumer reports

I am formally submitting a request for the removal of an inaccurate public record of a XXXX  XXXX bankruptcy from my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ). The record in question is referenced as : Reference Number : XXXX Date Filed/Reported : XXXX XXXX, 2021 This bankruptcy entry has caused me severe financial and emotional hardship, significantly impacting my ability to provide for myself and my family. The record in question has either been inaccurately reported or has been maintained on my credit report beyond what is permissible by law. Furthermore, I believe this matter has not been handled in accordance with the guidelines set forth by the Consumer Financial Protection Bureau ( CFPB ) and FCRA.
Product: Credit reporting or other personal consumer reports

I have an auto lease XXXX XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX  XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my XXXX day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX reporting me XXXX days late in XX/XX/2022. There was an error on their part. I was never XXXX days.
Product: Checking or savings account

So on several occasions navy federal has charged me overdraft fees when I had sufficient funds in my account. I would even call and let them know like hey there shouldnt have been a fee because at the time of the purchase I had the sufficient funds. They would just say well it posted late so you still have to be charged and overdraft fees. This has happened several times. I have been with navy federal for several years. I enrolled in the OOPS program. I thought it would genuinely help but in all actuality they literally charge me a bunch of overdraft fees when its not necessary. Then when you try to speak with a supervisor they just give you the run around.
Product: Debt collection

I was Leasing a house with XXXX other roommates. Vacated the property on XXXX XXXX - started receiving letters months later from Hunter Warfield that I owed in excess of {$3600.00} after my {$1000.00} security deposit was applied. I never received written notice from landlord stating my rights as a tenant to contest charges. I have repeatedly asked for invoices as to the damage and have been hung up on, harassed when I am working and am badgered with lawsuits, being told I have to get an attorney and that my credit will be wrecked if I do not pay. No one is willing to verify that this debt is accurate and when asked for copies of invoices I am told to get an attorney. I am a XXXX year old XXXX XXXX student supporting my way and do not have the luxury of an attorney. XXXX Statutes mandate that I am to be sent a written letter explaining the charges, the reasoning my security deposit is held and my rights to dispute and I have never received anything like that. I am told that they have photo 's, but I have photo 's date and time stamped as well proving many of the charges were falsified. I was told also that the leasing company is too big to provide the invoices so I should get an attorney just to verify that these charges are accurate. The charges were reported the day I vacated the property - how a house can have drywall, painting, cleaning all in the same day I moved out is ridiculous. The removal of items that they are claiming as well charging me for, are in my friends garage so obviously the leasing company went to our house prior to our move out. These charges make no sense, I was never officially notified by the leasing company and the debt collectors Hunter Warfield have no proof that the debt is even accurate but are putting on my credit report. The only proof of any letter sent by leasing company was to my former roommate. There is nothing showing my name. 

This is the email sent when I requested invoices " XXXX, Your lawyer can request invoices, not you I can share the pictures of the damage you were charged for as I did with XXXX. You must dispute the charges with a lawyer. 
They are not that easy to get, this is the XXXX largest XXXX single family home company in the XXXX and all is in XXXX through XXXX. Just dispute with a lawyer and have him request. '' This does not seem fair or legal to just put blanket charges on an invoice and give to collection agency.
Product: Credit reporting or other personal consumer reports

I am unable to get a copy of my credit report from the TU website or dispute any inaccuracies from the TU website despite having dropped the small claims case I had opened against TransUnion.
Product: Mortgage

Flagstar Bank would n't let me make a payment on-line like I do every month because they blocked me, instead they called asking for payment, added a {$20.00} late charge which is fine but then added another {$15.00} phone fee charge and didnt tell me they were charging me the {$15.00} phone fee. I feel this is an unfair practice!