23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to express my extreme dissatisfaction and frustration with the manner in which my account information is being reported by your organization. It is disheartening to see that TransUnion, a supposedly reputable credit reporting agency, has failed to accurately represent my financial standing. 

Let me be unequivocally clear : I am not disputing the existence of the account in question. What I am vehemently disputing is the erroneous manner in which it is being reported. It is inconceivable that a company of TransUnion purported caliber could be so careless and negligent in its reporting practices. 

The inaccuracies in the reporting are not only damaging my creditworthiness but also impeding my ability to manage my financial affairs. Your organization 's failure to report accurate information is not just an inconvenience ; it is a blatant violation of the trust and responsibility bestowed upon credit reporting agencies. 

XXXX XXXXXXXX FRAUD, PLEASE DELETE!!!!! 

I demand an immediate and aggressive correction of the inaccuracies in the reporting of my account. This is not a mere suggestion ; it is a non-negotiable requirement. The fact that I have to dedicate my time and effort to rectify an issue caused by TransUnion incompetence is both infuriating and unacceptable. 

I expect a thorough investigation into the matter, and I insist on receiving a comprehensive written response within [ reasonable timeframe, e.g., 15 business days ] outlining the steps TransUnion will take to rectify the inaccurate reporting on my account. Failure to comply with this demand will leave me with no option but to pursue legal remedies available to me and file formal complaints with the relevant authorities. 

I find it lamentable that it has come to this point, but your organization 's egregious errors leave me with no alternative. I trust that you will treat this matter with the urgency and seriousness it demands and rectify the inaccuracies promptly.
Product: Checking or savings account

I have two business checking accounts, a business line of credit and business credit cards as well as a merchant account through BB & T. With my business checking account I have an overdraft protection set up to pull funds from my business credit card account and add them to my checking account to avoid any fees associated with any overdrafts. Well this has not been the case. I have been being charged overdraft fees for years on my account. I have contacted many different representatives about this issue in person as well as on the phone. Each time all I get is we will look into it. It will take a while if it has been a few years of charges. NO ONE has ever gotten back with me about these charges. I am being charged fees on my c/c as well as my checking account. There is no overdraft if they pull the funds from my credit card account. This is in their overdraft protection services policy. I am a small business owner and these fees are astronomical. No I can understand how they have all of this money to donate. Because they are illegally taking it from their customers. I can't just change banks. Not with all of the lines I have open. This needs to be fixed. I am sure it is not just me having these issues.
Product: Vehicle loan or lease

This complaint for TESLA account number : XXXX XXXX XXXX XXXX XXXX, CA XXXX Operations XXXX : XXXX XXXX XXXX XXXX. ( XXXX ) XXXX XXXX buy back my car after big fight and failure in the car, I also file complain about them with consumer protection bureau and cfbp in the past, I surrender the car on XX/XX/XXXX XXXX and its been more than a month, I still didnt get paid and they didnt pay off my loan which is finance by Tesla as well , I am still getting notification to make payment also Im receiving certified mail to my door warning me to make a payment or they take legal action against me, my credit been ruined for late payment. every time I call they giving me the same excuse, they put me financial hardship, I couldnt buy a car right now because they hold my money also they ruined my credit. 
Ive been renting cars and paying from my pocket all this time. 
This is unacceptable and bbb & cfbp need to take action for the neglect and compensate me for this behavior please contact them and find me solution for this matter so they can send me my money and pay off the loan. 

best regard XXXX XXXX
Product: Mortgage

On XXXX XX/XX/XXXX, I received a " Welcome and Mortgage Disclosures for Loan # XXXX signed and dated for XXXX XX/XX/XXXX by XXXX XXXX, MLS # XXXX from Caliber Home Loans. I immediately called Mr. XXXX to better understand where this document with personal information including my date of birth and social security originated from. Mr. XXXX stated according to CPFB he was authorized to do so. I asked to speak to his immediate supervisor with no avail. Calling back, I was able to speak with Mr. XXXX XXXX MLS # XXXX. I asked who authorized Mr. XXXX to send my personal identification information through the mail. Mr. XXXX stated that Mr. XXXX submitted my personal information without my approval or authorization. This is the first time I have ever heard or seen either of these two gentlemen 's names. I have been a customer of Caliber Home Loans since XX/XX/XXXX time frame.
Product: Debt collection

This is a XXXX debt that is being handled by Pinnacle Credit Service but also being sought on by XXXX XXXX XXXX. The credit bureaus are reporting what is being sent to them monthly.
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Wells Fargo was laundering money by making deposits into customer accounts, I happened to be XXXX of those customers and spent the money, they froze my account and demanded the money back, they locked me out of my account, and have never been allowed back to there bank, but of course, they never reported it ... ... .....
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. I found that under section 605b ( a ) Transunion 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 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 is not information relating to any transaction by the consumer. The dispute item do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) This account is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX Date Opened : XX/XX/2016 Balance : {$2400.00}
Product: Mortgage

My most recent mortgage statement reflects a {$5.00} charge on XX/XX/XXXX for a Payoff Rush Handling Fee. I did not request a payoff quote on XX/XX/XXXX or any other day. I called the customer service number on my statement. The representative from the services said the request came through their automated system for someone with a phone number with area code XXXX. That number is in XXXX, Ohio and I am in XXXX  Michigan. The representative told me that she could not remove it and that I should call the phone number of that person and ask them to give me {$5.00}. This is ridiculous that a 3rd party can request a loan payoff and have it charged to my account and the servicer claims that it can not be removed
Product: Vehicle loan or lease

On XX/XX/XXXX we bought and titled a boat in XXXX. In XX/XX/XXXX my husbands job moved us to XXXX. We titled all of our vehicles in XXXX  immediately and have been attempting to title our boat for four months. In that time I have spent hours on the phone with US Bank. 
In every state we have been to, the state TAX ASSESSORS titles all vehicles including boats. In XXXX  it is a DIFFERENT agency called thXXXX XXXXa Department of Natural Resources. It is all online. The required documents are the same, a bill of sale, the current registration and a copy of the title. My initial 10 or so calls to US bank speaking to " bankers '' I was told the title was being ordered, it was on the way, it takes 2 weeks. We waited and waited.

We called and called and we were yelled at, hung up on, told they did not have the title, it was in Florida, and finally they said they were not sending the title, period. 
I then received a letter from US Bank saying they wanted a letter of request from XXXX. I called the Department of Natural Resources and they said they don't do letters. I called US BANK again. I was told by a supervisor that the letter of request could come from me. I sent a letter, and the email from the XXXX  office saying they needed the title, which should suffice as a request from them. They did not respond. I called again, multiple calls, and they said they don't know who this supervisor is that told me the request could come from me, and again they were not sending a copy of the title, period. They said the only way they would do it is if Georgia sends a request. They said they get requests all the time. Yes for cars from the TAX ASSESSOR, but this is a different entity! It is not the Tax assessors office! I know what they are talking about. When we registered our car, also financed with US bank, we took in our insurance, previous XXXX registration, and we got a license plate. The tax assessor then requested the title from US bank to perfect the lien in XXXX. So when they say we get requests all the time, yes for vehicles from the tax assessor. This is not the same office! 
We have a boat, financed through US Bank, that we are paying for every month, on time, unregistered. I have never been through anything like this. We have been married for 30 years, bought and sold numerous cars, boats, etc., and unfortunately moved a lot for my husbands job. Five states so far. We pay all of our bills on time, follow the letter of the law, and this is the worst agency we have ever dealt with. We are working on refinancing the boat with someone else, cancelling other accounts to get away from them, but that will not solve the registration issue. This stand off is ridiculous and the only ones that can stop holding this registration XXXX is US Bank. 
I am attaching the letter of request from me that I was told by a supervisor would suffice. 
The email from the XXXX  Dept. of Natural Resources saying they need a copy of the title which is also a request. The letter from US Bank saying they received a request but they need a letter of request. And lastly our loan statement. The account is current with the worst bank in existence.
Product: Credit reporting or other personal consumer reports

This information has been disputed to XXXX and TransUnion. However, this report is still showing the information inaccurately. This is a direct violation of XXXX XXXX XXXX XXXX ( a ) ( XXXX ) ( B ) XXXX XXXX : XXXX. The following personal information is incorrect Former : XXXX XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX OH XXXX XXXX. Under 15 U.S. Code 1681i ( 5 ) ( B ) Requirements relating to reinsertion of previously deleted material XXXX XXXX XXXX Account Number : XXXX Under XXXX XXXX Code XXXX ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate, it list the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
XXXX. Under 15 U.S. Code 1681i ( 5 ) ( B ) Requirements relating to reinsertion of previously deleted material FREEDOM MORTGAGE XXXX Account Number : XXXX Under XXXX5 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate, it list the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
XXXX. Under 15 U.S. Code 1681i ( 5 ) ( B ) Requirements relating to reinsertion of previously deleted material XXXX BANK Account Number : XXXX Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate, it list the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 

Reporting in TransUnion : XXXX. Under 15 U.S. Code 1681i ( 5 ) ( B ) Requirements relating to reinsertion of previously deleted material XXXX XXXX XXXX Account Number : XXXX Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate, it list the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I'm a living human being, I have the rights under 15 usc 1681.

Equfax is governed by 15 usc 1681, and they violated my rights numerous times. I demand the accounts lited below be romoved because according to 15 usc 1681, I have the right to privacy. And I did not give Equifax written permission to furnish these accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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 is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX .... Balance : {$2400.00} XXXXXXXX XXXX XXXXXXXX XXXX .... Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX .... Balance XXXX {$510.00} XXXX XXXX XXXX XXXX XXXX .... Balance XXXX {$570.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of request XXXX XXXX XXXX XXXXXXXX Date of request XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2400.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$510.00} XXXXXXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$100.00} XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$520.00} XXXX XXXX XXXX XXXX Original Creditor Name XXXXXXXX XXXX XXXX XXXX ) # # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$150.00} XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance {$2400.00} XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX XXXX Balance {$570.00} XXXX XXXX XXXX Balance {$510.00} XXXX ( Original creditor XXXX XXXX XXXX XXXX ) XXXX Balance {$98.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I filed a very valid dispute with Care Credit over a bogus charge a very unscrupulous dentist has attempted to stick me with an illegitimate bill. Had I not sought a 2nd opinion by an Ethical Dentist, I would have endured : 1 an unnecessary tooth extraction 2 several unnecessary fillings 3 a crown replacement by way of bridge which means more $ $ $ . This totals well over 10k, again all fabricated diagnoses. 

This same dentist wants me to pay for his in office dental plan after he cancelled me >just as soon as I requested my X-rays< that I wanted to share with another dentist. He canceled me ten days after purchasing his plan, and Care Credit continues to say I owe the bill. 

I must close this account down and file a lawsuit against synchrony bank because in my second report I made references to my recent negative experiences with THREE XXXX  trying to show all Ive recently endured with horrible unethical dentists, then found out soon after submitting that letter, Synchrony Bank is based out of Utah, home of XXXX & the XXXX XXXX. I do believe Im being discriminated against, and theorizing is all I can do since they refuse to explain why theyre siding with a thieving, lying doctor. 

They purposely disconnect calls to discourage you from calling. They lock you out of your account but then exclusively send all related documents to that account. They REFUSE to call or even email directly. They make it impossible to file a dispute, at least in my experience.
Product: Credit reporting or other personal consumer reports

This is a follow up to the initial complaint ( XXXX ) whereas XXXX responded XX/XX/XXXX insisting they couldn't find my file due to not having my SSN. They also deny responsibility for fraudulently accessing my credit report and sharing it with several unauthorized companies ( included in this complaint : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and Santander Consumer USA ) even though the loan application was submitted via THIER WEBSITE ( XXXX ) not XXXX XXXX XXXX which XXXX XXXX assured me they did what was needed so that when I submitted the loan app through XXXX 's site that it would only be pulled for XXXX XXXX You can even read the correspondence that I provided copies of that the loan application was submitted XXXXXXXX XXXX website and it should be the responsibility of XXXX and it's subsidiaries to protect consumer info and manage their platforms and the manner in which they access consumer protected data accordingly, that's not my job or ability as a consumer and XXXX needs to contact it's representative to address this issue NOT ME. XX/XX/XXXX I was in the process of searching for a vehicle and came across XXXX in XXXX, NC ( XXXX XXXX XXXX ). During the process I emailed their team specifically requesting to ONLY have the pre-qualification and loan process be pulled for XXXX XXXX prior to applying for a loan and they agreed to this PRIOR to my submitting the application. Their representatives responded confirming that this was possible and that my loan would ONLY be pulled for XXXX XXXX. I look at my report and they alternatively submitted my information to multiple companies resulting in multiple inquires on my report and negatively impacting my credit score. They proceeded to be extremely unprofessional and unapologetic about their unethical practices and I received several junk letters from various institutions that I never applied to. They also consistently gave me incorrect pricing information from their advertisements, tried to hide and manipulate the sales and incentives and would refuse to apply certain incentives that I qualified for. Their team was psychologically and emotionally abusive. See attached screenshots. I demand that they remove all XXXX and XXXX partner inquires from all XXXX credit reports and any subsidiaries and that they delete my name and contact information from their systems immediately. XXXX is also one of the many companies that later sent a loan decision letter and other correspondence to my address further proving that the application was submitted via their platform. There is no way to submit my SSN via this complaint process, only a loan or account number that I do not have.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. XXXX  XXXX XXXXDischarged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2013. 

2. Chapter XXXX Bankruptcy Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2013.
Product: Debt collection

I reviewed my credit and noticed that an account with XXXX XXXX XXXX in the amount of {$100.00} was being reported on my credit with the Original Creditor being XXXX XXXX. I never received any notice from this company regarding the debt. I called to make a payment to satisfy the debt and the rep XXXX XXXX advised me that XXXX XXXX no longer owed the debt and that it had been returned back to XXXX XXXX and that the collection account was closed. I advised the rep if they are no longer collecting on the account then my credit report needs to be updated to reflect. The rep kept repeating the same thing just stating that the account was returned to the Original Creditor and that it was closed. Repeatedly after not answering my question about the CBR reporting I asked to speak with a member of management and was advised that no manager was available. What type of professional establishment does not have a supervisor/manager available to handle escalated calls. The rep never addressed my question regarding how this account is being reflected on my credit and refused to let me speak to somebody above him. I advised the rep I would be filing a complaint and disconnected the call.