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

Dear Transunion You continue to violate my rights by not doing an actual investigation included is proof. 
I just received a copy of my credit report and to my surprise, I noticed that my right to privacy had been violated. I have not given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 

Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2018 I found out I was victim of Identity Theft. A fraudulent application had been submitted to XXXX XXXX requesting auto financing in my name. XXXX XXXX sent this application to various lenders they use. It was when I received a letter from a company named XXXX, declining my application, that I was made aware of the Identity Theft. When I spoke to them I found out my application had come from XXXX XXXX. I then called XXXX XXXX, to advise them I had not submitted an application. They said they would follow up with the companies they had passed the application on to and let them know this was fraud. At that time I requested credit reports from XXXX, XXXX and Equifax. I found inquires on all reports from lenders I have never heard of. I have worked with XXXX and have gotten my report corrected. XXXX is currently working on my disputes. But Equifax is telling me they do have the ability to remove inquiries affecting my credit score. Vendors who received an application and contacted Equifax for a credit report have assured me they have contacted Equifax advising them these inquires need to be removed. ( The companies are XXXX and XXXX ) As of this morning, XX/XX/2018, Equifax is saying they have not received any information to support my claim and in the meantime these inquires will remain on my report and affect my credit score. I have an open FTC complaint and a Police Report as well, but Equifax says this doesn't make a difference. I want this corrected and not to continue to show as something derogatory on my report. Thank you.
Product: Credit reporting

Ask for validation of accounts and inquiries on my credit and was not provided with any proof of documentation with my signature on it.
Product: Money transfer, virtual currency, or money service

I am requesting a check in the amount of {$3500.00} that was written out to me by XXXX XXXX. 

I don't know the exact date of issuance, but I believe it was early in XXXX, when I deposited my check into Truist bank. The check number is XXXX. 

The problem is that my funds have been held for over a year, and I believe this is unlawful. Additionally, the bank has given me no updates, and the business has not tried to resolve the problem. 

Thank you for your attention to this matter.
Product: Credit card or prepaid card

CITIs Best Buy credit card automatically enrolled me in a debt protection program. I asked for proof of me accepting this enrollment and they could not provide this. Their response was that it appears on the statement which is accurate. It is also accurate that they asked me to enroll in paperless and I was happy to do that. It is also true that the functionality to view or download statements does not work on mobile devices. I will provide screenshots of the link I clicked and the error I received. I will also provide screenshots of how they try to hide these charges by charging them on the last day of the statement so they never appear in recent transactions even if they were just charged the day before. In the transactions section of the site the default is recent transactions and you would have to change the default to the previous statement to see the charge. I believe Citi tries to hide these fees to run the clock out on the XXXX percent purchases and hit people with the deferred interest.
Product: Credit card or prepaid card

I made a purchase on XX/XX/XXXX for {$240.00} at 0 % promotion for XXXX due XX/XX/XXXX company XXXX made another purchase to a different company also at 0 % for XXXX for {$130.00} on XX/XX/XXXX however due to statement cycle date this is due XX/XX/XXXX, company XXXX XXXX  XXXX 
I returned part of the purchase from XXXX and was issued a credit on XX/XX/XXXX for {$120.00}. However my balance due on XX/XX/XXXX didnt change. They applied this credit to the XXXX XXXX purchase and I know owe {$11.00} for the XXXX XXXX purchase. This is deceptive. Reallocating credit could have me paying them more interest.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Credit Reporting Issue with TransUnion Dear TransUnion Customer Service, I hope this message finds you well. I am writing to bring to your attention a significant issue regarding my credit report that has been adversely affecting my credibility with financial institutions. 

It has come to my attention that TransUnion has failed to accurately report my credit limit of {$5000.00} on my XXXX XXXX account XXXX. This omission is causing my creditworthiness to be inaccurately assessed by financial institutions, which is impacting my ability to secure favorable terms on loans and credit applications. 

As you are aware, accurate credit reporting is crucial for maintaining a reliable credit profile and ensuring fair evaluation by lenders. The failure to report my credit limit of {$5000.00} not only misrepresents my financial responsibilities but also undermines the trust that financial institutions place in my creditworthiness. 

I kindly request that TransUnion rectifies this error promptly by updating my credit report to reflect the correct credit limit on my XXXX XXXX account. Additionally, I urge TransUnion to review its procedures to prevent similar oversights in the future, as accurate credit reporting is essential for consumers like myself to navigate the financial landscape effectively. 

Please confirm receipt of this complaint and provide me with a timeline for when I can expect the correction to be made. I appreciate your prompt attention to this matter and look forward to your swift resolution. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have raised this point internal at a branch level, and the " Customer Service '' of Wells Fargo Mortgage. 




The lack of speed in answering this complaint, the lack of interest to serve the customer, the lack of resolve. In the last issue was very valid. XXXX XXXX of Wells Fargo, after taking with my Husband, admitted on the phone that there was a lot of calls at the time period, and admitted there was some kind of agreement made at the time. 


In response to the complaint XXXX XXXX of wells Fargo responded, " I couldn't find the exact call so wells Fargowo n't change the record ''. The reality is, there was an agreement, and wells Fargo know this to be true but wont change the credit record because of a technicality, they cant find the exact call. XXXX XXXX did communicate the representative that did make the " arrangement is no longer with Wells Fargo ''. I was XXXX XXXX in hospital having XXXX, Wells Fargo knows this too, and i can provide hospital records too. The reality is I was In Hospital Wells Fargo Knows this, the reality is an Argument was made, and the person the agreement was made with no longer works for Wells Fargo. I am a good mortgage customer, with regular payments no late payments in two years. 




The consumer Financial Protection Website exists as a public recourse for consumers to read and see " customer service '' of institutions like wells fargo and how wells fargo responds to their customers. 




I file this complaint requesting the paid late being reported on my mortgage from a time I was in hospital was IN FACT paid " as agreed ''. Because there was an agreement in place to bring the account up to date by certain date. I made the agreement, wells Fargo AGREED to report " pays as Agreed ''. I kept the agreement, brought my account up to date ... But wells Fargo have displayed no HONOR and failed to honor the agreement. Wells Fargo reported on my credit 'late ''. My account is up to date, and has been up to date, for over two years now. Failure to report 'paid as Agreed '' when an agreement was in place serves as an ETHICAL representation of the service at wells fargo.

I give full consent for CFPB to publish this complaint, and I await Wells Fargos " customer service '' response.
Product: Debt collection

Under law 15 usc1692c ( c ) states if a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, and so on all in year of XXXX Eastern Account System- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MA XXXX
Product: Vehicle loan or lease

On XX/XX/2021 XXXX AM, Chrysler Capital tried to contact me as shown on screenshot in the attachments, after receiving my Cease and Desist Letter pursuant to 15 USC 1692c ( c ) which clearly states " ( 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, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. ''
Product: Debt collection

XXXX XXXX hired The Bureaus Inc, to collection on a debt that I allegedly owe for {$1100.00}. At this time the Bureaus, Inc and I have been unable to come up with an agreement on the account. 

Respectfully, the Bureaus, Inc has hired XXXX XXXX XXXX XXXX to collect the amount allegedly owed. 

1- On XX/XX/XXXX, I have offered to settle this account with XXXX XXXX XXXX for $ XXXXXXXX XXXXXXXX XXXX  XXXX declined to accept my offer 2- XX/XX/XXXX, I spoke with XXXX XXXX XXXX and s/w XXXX  @ ext XXXX 3- Today, XXXX XXXX XXXX has done the ultimate collection practices with borderlines extortion, harassment and intimidation 4- XXXX XXXX XXXX  advised that they will only do a settlement offer with me for {$650.00} for TODAY and TODAY only for payment over the telephone. 
5- I advised XXXX XXXX XXXX that I would settle the account for {$500.00} and that the only way I feel comfortable with any transacations is for them to send me a settlement agreement via USPS to my address of record, in turn if the agreement is satisfactory- then I will mail them an online bill payment check though my bank with certified funds. This way I feel comfortable about them not having my financial information and they would have certified funds. 
6- the Manager of XXXX XXXX then began his intimidation and harassment practices. The Manager began to tell me that IF I do not pay him today the {$650.00} then the next time if and when I call to pay it is going to be {$900.00}. 

I wish for XXXX XXXX to refrain from calling me and I will either deal with the original credit only. This is harassment intimidation and extortion. I was at work in front of patients to the point I was almost crying while he was basically demeaning me. This is illegal collection practices. 

I have tried on multiple occasions to reach the bureaus without any success of talking to any represtative at XXXX
Product: Debt collection

We rented a car from  XXXX  via our insurance company. After the rental, I received the bill on  XXXX  which had multiple errors. As per  Fair Credit bi lling act, I responded the company in written mail on  XXXX . But the company failed to acknowledge my letter in 30 days so I also sent email on   XXXX   XXXX   on their email address (  XXXX  XXXX  XXXX  ) which they ignored as well. Now they sent bill to debt collector and they are telling me to pay in 30 days.     Total Amount Charged : {$650.00} Total Paid so far : {$590.00} Amount pending : {$43.00} I sent them following mail : There are 2 errors in this billing :  1  ) {$20.00} amount per day is invalid, when we rented the car on   XXXX   per day rate was {$18.00}. If {$20.00} is valid per day rate, Please send me proof of document which I signed on   XXXX   which says {$20.00} per day.      2 ) Invoice  got invalid time of return, we returned the car in morning around  XXXX  on  XX/XX/2017   , which basically counts to 28 days of rental but they charged for 29 days.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I had reestablish a realtionship with Bank of America I had two checking and a saving I always made sure my accounts were balance of started working for realtor name XXXX XXXX as a transaction coordinator and the clients would pay through XXXX because I did not want to give out my account information. all transactions were put on hold for two weeks or more to make sure they cleared beg anything I did not do anything wrong the funds were released to me shortly after funds were released my account was closed telling me it was internal decision it was wrong I called they could not tel me  what i did wrong i waited for a letter no letter explaining all I was told that the bank can close my account if they want too but I did nothing wrong the fraud department held every deposit for two weeks or more investigated and release them to me I did nothing wrong and my account is closed totally un fair no justice
Product: Mortgage

XXXX foreclosed on a mortgage that was paid ahead. XXXX agreed to restore and breached the agreement. 

An Underwriter by the name of XXXX XXXX obtained a modification approval on XX/XX/XXXX, using " reverse engineered '' income and property value information. 

XXXX XXXX claimed he verified an appraisal that indicated a FMV of {$160000.00} when he had no appraisal. Bayview loan servicing admitted they had no appraisal from XXXX to the Indiana Attorney General in XXXX. 

The records of payments made showed no payment to any vendor for an appraisal. 

At trial Bayview 's expert testified that the value of the property was immaterial. He claimed that XXXX XXXX loans more money on rental property than it is worth all the time. 

An FHA approved appraisal done in the relevant time frame shows a FMV of {$100000.00}. In addition Bayview admitted to the Indiana Attorney General in XXXX they received no HUD-1 from XXXX. 

At trial Bayview 's witness by the last name of XXXX testified the Defendants we not entitled to disclosure. ( HUD-1 ) He claimed that when 1 of the Defendants signed the original XXXX XXXX Mortgage in XXXX, he waived his rights to disclosure. 

Bayview was fully aware that the prior servicer paid the Defendants Law Firm without disclosure and provided no disclosure.
Product: Credit card

Was told terms were XXXX  months. When card arrived it was only XXXX  months. I fought this and won. However, they started the due date XXXX months before the installation of the product I bought and XXXX months before they even sent me an invoice. Additionally they never sent me a card so I did not have the account number and basically hog tied until they finally just sent me a card today.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
1 ) Account Name : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX ) Account Name : XXXX Account Number : XXXX XXXX ) Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX ) Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX ) Account Name : XXXX XXXX XXXX Account Number : 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 a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello My Name Is XXXX XXXX. 
I would like to remove any fraud alerts on XXXX, equafix or XXXX. I have tried calling up each company directly and the computers that answers these phone calls go around in circles. 

No fraud alert is needed on my account so if any company has my name as a fraud alert I would like it removed. I am trying to apply for things and It is saying I have a fraud alert. Hopefully with this being said this can be resolved. If any questions or concerns to verify I am really me please feel free to call me or e-mail me on information you have as my contact.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to with the Fair Credit Reporting Act, the follow companies have violated my rights : XXXX XXXX XXXX Account Account # XXXX XXXX XXXX- Account # XXXX State of Michigan Child XXXX Account # 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  both decreased my credit scores by approximately 50 points or more, for utilizing my credit cards. For the past 2 years I have labored to repair my credit, paying off close to {$10000.00} worth of debt. Since then, I have begun a positive and responsible habit of paying all my debts in a timely manner. I have been utilizing my various new credit cards carefully and always immediately pay my balances, often times paying off the entire balances on my credit cards every month. With the general uncertainties brought on by the Covid-19 pandemic, I have made sure to exercise extra caution in using my limited assets to take care of my existing debt, as well as new and different expenses that have risen due to the pandemic. Things such as buying extra supplies for use and creating a just stockpile of items for possible continued quarantine times. In a time were most Americans are asking for deferments on their payments, I have diligently made all of my payments to all my creditors and have full intentions to continue as such. This is why I bring forth this complaint in regards to how EQUIFAX and XXXX  are reporting on my credit status. I am asking for leniency. I am asking for compassion. I am asking for fairness. I am asking for consideration. I am doing the best that I can to keep afloat during these difficult times, as is everyone else. I have used my assets to satisfy my current debts to the best of my ability and feel, it is unjust for my credit scores to be dropped from the XXXX 's to a XXXX because I used my credit cards during a PANDEMIC! The credit was afforded to me, to use as I choose, in a responsible manner when necessary and I am doing that. I have made ALL of my current payments, on time and have asked for no deferments except for my student loans, as they were placed on an automatic deferment due to recent legislation signed by President Trump. Aside from this, upon investigation, findings will prove I have a current " excellent payment history '' as so reported by XXXX  as well as the other 2 bureaus. The extreme credit score drops are not justifiable. I seek fairness and justice in the way these bureaus, EQUIFAX and XXXX  are interpreting and reporting on my credit status.
Product: Consumer Loan

The company Green Tree servicing has posted information the all XXXX credit bureaus that is not true or accurate saying that my property is affected by natural or declared disaster. This is not true. Even if it were true it should not be reported on my credit report since it has nothing to do with my credit worthiness. There has not been any natural disasters occurring anywhere near my home. I live at XXXX XXXX XXXX, XXXX XXXX, TX XXXX on high ground. 
GREEN TREE*XXXX XXXX XXXX -- - XXXX XXXX XXXX XXXX XXXX -- - XXXX AFFECTED BY NATURAL OR DECLARED DISASTER
Product: Credit reporting or other personal consumer reports

I have collections on my report that is hurting my credit score and I will like them removed