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

I have disputed these inaccurate reporting with TransUnion, XXXX and XXXX several times to no avail. The following addresses are incorrect and do not belong to me XXXX XXXX, XXXX XXXX., XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX. I never paid the following accounts late XXXX XXXX TransUnion and XXXX is reporting late payments XX/XX/XXXX through XX/XX/XXXX, XXXX is reporting late payments XX/XX/XXXX through XX/XX/XXXX. I did not open the XXXX XXXX account XXXX TransUnion is reporting an open date of XX/XX/XXXX, XXXX is reporting an open date of XX/XX/XXXX this reporting is not mine, I did not open the XXXX   account XXXX TransUnion is reporting opened on XX/XX/XXXX this reporting is not mine, I did not open the XXXX XXXX account XXXX TransUnion is reporting opened on XX/XX/XXXX, XXXX is reporting opened on XX/XX/XXXX this reporting is not mine, I did not open the XXXX XXXXXXXX XXXX XXXX account XXXX TransUnion is reporting opened on XX/XX/XXXX this reporting is not mine, I did not open the XXXX XXXXXXXX XXXX XXXX XXXX. account XXXX XXXX is reporting opened on XX/XX/XXXX this reporting is not mine, I did not open the XXXX  account XXXXXXXX XXXX is reporting opened on XX/XX/XXXX this reporting is not mine, I did not open the XXXX account XXXX XXXX is reporting opened on XX/XX/XXXX this reporting is not mine. I have reached out to the credit bureaus to help me to get this matter resolved. Are TransUnion, XXXX and XXXX considered furnishers? These are not my accounts and TransUnion, XXXX and XXXX  have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending dispute letters to Equifax for the last six months and I haven't received any response to my challenges. I have been consistently sending disputes about some items on my credit report and there just not taking the time to investigate anything at all. From XX/XX/2019 until now XX/XX/2019, I have yet to receive any document from Equifax, almost seems like they're throwing my letters away. There has been zero response, I will attach my last five letters sent to Equifax to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX CAPITAL ONE AUTO XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX AND XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I submitted a request for removal of these inquiries years back but they continue to remain on my report.
Product: Vehicle loan or lease

This is a follow up since Regional Acceptance isn't addressing the issues at hand and Im requesting Arbitration : From : XXXX XXXX XXXX XXXX c/o XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX ] XXXX XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX AND Regional Acceptance CorporationXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX Installment Sales Contract Dated : XX/XX/XXXX To Whom It May Concern : This letter serves as a formal notice of dispute and demand for rescission of the above-referenced motor vehicle retail installment contract. This contract was entered under a consumer credit transaction governed by the Truth in Lending Act ( 15 U.S.C. 1601 et seq. ), Texas Finance Code Chapter 348, and related consumer protection statutes. 

Violations and Grounds for Rescission : Improper Add-On Products Without Disclosure or Consent : Theft Recovery System {$690.00} GAP Waiver {$890.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Plan These items were either not affirmatively opted into or were not properly disclosed in accordance with TILA Regulation Z ( 12 CFR 1026.18 ( c ) ).

Deceptive Trade Practices ( Texas DTPA 17.46 ( b ) ) Misrepresentation and concealment of the optional nature of these products.

Unlicensed Insurance Sales ( Texas Insurance Code 101.051 ) : Products such as the GAP waiver and theft protection function as insurance but were not sold through licensed entities. 

Securities Fraud 18 U.S.C. 1348 : If this contract was securitized or resold based on misrepresentations about its legal enforceability, this constitutes federal financial fraud.

Violation of 25 CFR 11.417 ( if tribal jurisdiction applies ) : Down payment of {$3500.00} accepted without compliance with federal consumer protection protocols.

Demand for Remedy : Immediate rescission of the retail installment contract. 

Refund of all funds paid for undisclosed or unlawful add-ons. 

Termination of any further collections or enforcement actions. 

Removal of all derogatory entries on my credit reports. 

Full disclosure of all accounting, payment ledgers, and securitization records.

Immediate release of the lien and delivery of a clean and unencumbered title to the vehicle listed above.

Please respond in writing within 10 business days. If these issues are not resolved promptly, I will seek legal remedy through arbitration and file complaints with federal and state regulators. 


Please let me know if you require any additional documentation or information to support this complaint. I appreciate your prompt attention to this matter and look forward to your assistance in resolving these issues. 
Sincerely, XXXX XXXX XXXX XXXX Without Prejudice, XXXX. XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day! I found out on my credit report that there is incorrect information recorded under my name. I immediately wrote to the credit bureaus to correct and have these item removed or updated last XX/XX/2022, these very same items are still on my account. their investigation did not fix errors on my report. I listed the companies that was reporting that I was late in my payment and I was never late. The following accounts are : XXXX US BANK XXXX XXXX US BANK XXXX Found out that these is/are incorrect information listed under my name and I was never late paying. 

I know for certain that this is violation of the law as mentioned in 15 U.S. Code 1666b.Timing of payments ( a ) Time to make payments, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15 U.S. Code 1681 n Civil liability for willful noncompliance ( a ) In general any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false 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 ;
Product: Credit reporting or other personal consumer reports

Hard inquiries from the same institution showing more than one time : 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 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 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 requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Credit Inquirie : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

PNC Business Account for XXXX XXXX was closed when final balance was removed years ago. No activity on that account for at least 4 years. Im now getting a XXXX card with XXXX limit on that account in the mail. Explain to me how that is? Account closed., no activity, no balance, business closed. Seems to me like these guys are padding their accounts much like XXXX XXXX once did. They were given a chance to remedy the situation online and by calling me within a given time free and did not. I do not want or need this account to be open or a potential liability to me as the gurantour.
Product: Credit card or prepaid card

I was reviewing my latest statement fro m Capital One  dated  XXXX / XXXX /  XXXX  . It shows a  cash advance  amount totaling {$10000.00}. I disputed this amount by writing to them in a letter dated  XXXX / XXXX / XXXX , asking them for documentation showing when, where, and amounts where I received over {$10000.00} in cash advances. All they did was to write back to me in a letter dated  XXXX / XXXX /  XXXX  , stating that the amount was correct. I never took out that amount in cash advances, and if I am not correct, I ask that they give me documentation showing where I did.
Product: Debt collection

XXXX was referred to us by a material supplier to initiate the lien process on a project for which services had been completed, but payment was being withheld by homeowner. After months of inactivity, our company pursued the homeowner directly and received {$3800.00} for our services. This amount was in contrast to the total cost of the project, {$9600.00}. Informing XXXX that our company had received payment, we were asked to submit payment in the amount of {$2400.00}, or, 25 % of the original {$9600.00}. 

Our company did not believe the services provided by XXXX would warrant such fees but had not refused to pay a settlement amount. Instead, we wished to enter into negotiations with XXXX and maintained that fees should be calculated from the amount actually received. 

Our request was met with a verbal berating by employees of XXXX, several of which, completely unprofessionally resort to vulgar language, threats to pursue criminal charges, and threats to initiate legal action directly against our employees. 

Furthermore, our employees were never notified calls with XXXX would be recorded. While we do not fear recordings in XXXXs possession, as we hold our employees to a high degree of professionalism, it is worth noting CA has two-party consent wiretapping laws.
Product: Mortgage

The mortgage was paid down to well below the required 78 % XXXX and the response from the lender that my loan XXXX not qualify to remove PMI without certain requirements??
Product: Checking or savings account

I made a cash deposit at ATM of Bank of America at XXXX on XX/XX/year> at XXXX XXXX, XXXX, XXXX, Texas : amount {$4300.00}. ATM XXXX XXXX but deposited not processed. And ATM printed out : We are apologize for the inconvenience. We are unable to process your request and can not return your items. Please contact our Electronic claims team at XXXX to discuss this transaction. 
I called this number and have Claim # XXXX. They told me need XXXX to refund my {$4300.00}. But i need this money to pay the mortgage, i lated already. Please help me to ask them fix this transaction.
Product: Checking or savings account

I have used Synovus Bank over 40 years. Several problems through out this time. I had registered for the {$500.00} over draft protection. I was not really sure what it was about. When I got my Statement for XXXX {$890.00} was taken from my account for Overdrafts. I am on Social Security XXXX My monthly take home is {$1500.00} a month. As you can see this was a terrible hit on my deposit. I went to the bank to talk to the Customer Service Mgr. He was no help but very smug. I wrote the bank 2 letters explaining what happened. I asked them to reply to my letter telling me why no one called me from the bank. If you use the debit card and it does not work. I always try again. It is {$36.00} every time you swipe that card. My Mom was in XXXX XXXX and died that month. I was bombarded with her illness and situation. I had not taken care of my bank business. I feel the bank should have called me or wrote me. Even emailed me. That {$890.00} was a shock to me. I did make mistakes but I think they made mistakes by not contacting me and not answering my letters. It is not very professional of them not to answer I am a customer of 40 year. XXXX XXXX I will move to another bank. 
My name is XXXX XXXX XXXX if you need to speak with me Thank you.
Product: Debt collection

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. 

I sent Credito Real USA Finance written request for debt validation pursuant to 15 U.S.C. 1692g along with a cease and desist through ANY medium Pursuant to 15 U.S.C. 1692c ( c ).

They failed to provide the 5 things required upon my written request. They sent back only a contract which is NOT validation.

15 USC 1692 states that Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unles
s the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the deb
t collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. Credito Real USA failed to provide me any of thes
e 5 things.

They are also still contacting me through my consumer report and has recently reported a late payment on my report which is damaging and defaming my character.

Credito Real is infringing on my right to privacy as I do not wish for them to report any payment history or balance on my report. That is a private matter that I do not want any other person know my private affairs.

I recently sent a request for Verification of Debt and they responded with the letter I have attached. they are choosing to not honor my request therefore they should cease any collection Credito Real USA is also in
violation of 15 U.S.C 1692c ( c ) as they are still contacting me through my credit report stating that I am late.

15 U.S.C. 1692c ( c ) states that ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
Product: Debt collection

XXXX XXXX is attempting to collect on a debt that they are aware is over 10 years old. I've notified them that the debt is old and it should be removed from my credit report. They told me " they don't report to the credit bureaus '', which as I understand is a very old tactic. I asked for proof of the debt, which they sent, and confirmed that it was old and should not be reported on my credit. I again requested that they remove the debt from my credit report. They have not complied and are telling me that the debt is still valid when they were never holders of the debt and the utility company is no longer collecting on the debt, as it has aged out of their system.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX was deleted but reinserted into my credit files with XXXX and equifax   without notifying me whatsoever, in violation Under the FCRA Section 611 ( a ) ( 5 ) ( ( ii ) ".... reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days
Product: Student loan

I have spent more than 10 hours on hold with Mohela over the past month. I have tried to use their self-service site, but have not received the information I need. The website says that I have a payment due on XX/XX/2023However, I have also received a letter from Mohela that says my loan is in administrative forbearance. These XXXX things seem to conflict and I want to confirm if I have a payment due on XX/XX/23. 

I have also submitted a request to change my repayment plan. 

I can not get through to Mohela and worry if I will get accurate information ahead ofXX/XX/23.
Product: Mortgage

I have sent an inquiry to DiTech Financial LLC regarding a pending payment from escrow for hazard insurance. I am doing so because servicing was transferred from XXXX XXXX XXXX to DiTech effective XXXX XXXX, 2016, and I want to make sure that recent on-boarding will not impede timely payment. In the past, I have had problems with servicing transfers and timely escrow payments. Letter to DiTech is attached.
Product: Debt collection

# XXXX These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

# 3 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

XXXX XXXX XXXX is charging me for an account I never had with them I paid XXXX  XXXX for my auto loan It was a hit and run XXXX my insurance company along with gap insurance fully covered this loan once it was hit by another car it was a total loss Once these insurance comapnaies paid in full this XXXX   XXXX  called all over asking for me where I was they wanted me to pay them this XXXX somthing and I never paid them I always paid XXXX  XXXX and always on time I always paid the whole time I had that car always you could ask XXXX XXXX so I'm not even sure where these charges came from
Product: Checking or savings account

PNC will charge overdraft fees on transactions that are pending, even though sufficient funds were available at the time of a cash transaction is made later, saying the cash transaction is instant causing all pending items to be consider overdrafts, causing them to all have {$36.00} fees. 

For example, I had 4 pending transactions, I then made a cash overdraft transaction. 

Balance {$100.00} : Transaction 1 : {$20.00} 2 : {$15.00} 3 : {$10.00} 4 : {$10.00} The available balance is now {$45.00}. But the transactions are still pending. 

I then, overdraft as a cash-ATM for transaction for {$120.00}. 

PNC will then immediately charge an overdraft for all 4 pending transactions and consider the {$120.00} transaction as the first/immediate transactions. 

This is wrong, and consumers should not have to constantly check which items are posted and if pending. Transactions should be debited/credit in the exact order they are made, especially in cases of overdraft fees to protect consumers. 

What should happen is that I should have been charged an overdraft fee ONE TIME for the overdraft of {$120.00}. Not 5 overdraft fees because items were pending. This is also contradictory because if items are pending then my available balance should be higher and should not reflect the pending items since they are pending.

PNC is abusing their power for overdraft fees and if the CPFB continues to allow this, you they will continue to let banks profit on low income consumers and those who may be going through difficult times. This type of charging is predatory. Yes, I agreed to overdraft protection but I agree to transactions I actually overdraft. No transactions I made when I have an adequate balance. 

Please help and fix this greedy practice in banking and general and within the regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 120 ) days late on the XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.