23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

My vehicle has been repossessed through SanAnder. Overdue balance has been paid, but I 've been trying to reach tow vendor for two days with no luck. I get charged 25 % interest rate and I might have to pay tow vendor {$150.00} a day for storage fees. How is this ok? 
When I contacted Santander consumer USA, they said they could n't help, and that I should keep trying to contact the vendor, while the vendor has n't returned my voice messages for two days. The vendors name is XXXX XXXX XXXX, phone no. XXXX. 

I just want to get my vehicle back.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against XXXX for Refusal to Update Personal Information Dear Sir/Madam, I am writing to file a formal complaint against XXXX, XXXX, Transunion for their refusal to update my personal information on my credit report. On XXXX XXXX, XXXX, I submitted a personal information update letter to XXXX, XXXX, Transunion, requesting the correction of my address and other personal details. This letter was accompanied by the necessary documentation, including a copy of my driver 's license, Social Security card, and a utility bill to verify my address. The document was also notarized. 
However, on XX/XX/XXXX, I received a response from XXXX, XXXX, Transunion stating that my request could not be processed because I did not provide a government ID. This statement is incorrect and misleading, as I had included all required documents, including a government-issued ID, in my initial submission. 
Attached to this complaint, you will find a copy of my original personal information update letter and all supporting documents that were submitted to XXXX, XXXX, Transunion. 
I believe that XXXX, XXXX, Transunion 's refusal to update my information is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under sections 15 U.S.C. 1681i ( Procedure in case of disputed accuracy ) and 15 U.S.C. 1681e ( b ) ( Compliance procedures to ensure maximum possible accuracy ). 
XXXX, XXXX, Transunion 's failure to acknowledge and properly review the provided documentation is a direct violation of my rights under the FCRA. According to the FCRA, consumers have the right to dispute inaccurate information on their credit reports and must be provided with a fair and reasonable investigation of their dispute. By ignoring the documentation I provided, TransUnion has failed to uphold their obligation to conduct a fair investigation, thereby violating my consumer rights.
Product: Debt collection

I received notification of alleged debt from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on behalf of Credit Collection Partners. I contacted the law office on XX/XX/23 at XXXXXXXX XXXX and spoke with the receptionist. She advised that I would need to reach out to the hospital. I told her that I have been arguing with the hospital of the validity of the debt due to numerous billing issues with the hospital continuously billing the incorrect insurance. That all I wanted was a detailed billing statement showing 1. what was billed. 2. the insurance company billed 3. how the payment was allocated. My insurance has some items that are covered 100 % even if I have a deductible. The receptionist told me that someone would call me back as they currently had no access to my information. I contacted the hospital and the woman 's response in billing was to contact my insurance company for an explanation of benefits. A few days later the collection company mailed me a printed out report that was not legible to the normal non-medical person. I called back on XX/XX/23 @ XXXX and spoke to someone in the office who did not care to listen to what I was explaining to her. That the information was not what I had requested. On XX/XX/XXXX I received notice to appear in court on XX/XX/XXXX. When I went to court the attorney for the collection agency was advised that proof of the valid debt had not been given. I advised the attorney that I pay my bills. That I had been continually been given the run around by the hospital and the collection agency about giving me the information that I had requested so that I can validate the debt. I was given the business card of XXXX XXXX to contact on behalf of the collection agency. I emailed XXXX on XX/XX/XXXX. I explained to her that I have been asking for the information to verify the debt and my responsibility of it. XX/XX/XXXX I received a response from XXXX that her advice to me at this point was to ask for a bench trial. On XX/XX/XXXX I received notice in the mail from the collection agency that I was receiving a notice of hearing on XX/XX/XXXX. The total of the debt is {$700.00}. I have jumped through many hoops to try and get verification of information and have not received what I have requested. Had the information been provided upfront this all could have been avoided. At this time I feel they are trying to sue to add on extra fee 's which is ridiculous.
Product: Vehicle loan or lease

I purchased a new vehicle on XX/XX/XXXX and it was financed with Ally Financial. The loan was paid off in full on XX/XX/XXXX which resulted in an over payment of {$950.00}. When I didn't get a check I called on XX/XX/XXXX they told me a check was cut and it would be 7-10 business day to mail. I called again on XX/XX/XXXX as I didn't get the check. Was told it would be overnight to me and I would get it in 1-2 days. Called again on XX/XX/XXXX was told check was not processed yet and another give it another 1 -2 days. Called XX/XX/XXXX was told check was cashed on XXXX, told them not by me and I needed a copy. Was told case was escalated to their executive office and someone would call me on XX/XX/XXXX @ XXXX. I did not receive a call. I called today XX/XX/XXXX and was told to give it 24 -48 hours before I could get any answer and a case # XXXX was given. Each time I called was a minimum of hold time of 45 plus minutes.
Product: Mortgage

I call in every month to make a payment and every time I am immediately asked when I plan on making the next payment. I am a single mom, living payday to payday, and recently I have been off work with an injury. I do not enjoy having someone on the other end telling me to beg and borrow money to make sure the payment is on time. I am always told to sell my furniture, borrow from family, put off other bills, and made to feel like a 2 year old when I 'm spoken too. I hold an XXXX but due to age, XXXX, and living location, I am not in a position to benefit from it. I know this is part of their training because in the 10 years I have been paying, every month I talk to someone different and they all have the same negative attitude. It would be so nice if they would say " Thank you for making a payment ''!!!!
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you of a dispute resolution regarding a charge-off on my XXXX credit report. On XX/XX/2024, after the investigation was completed, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  report due to the information being unverifiable. 



As XXXX has completely deleted this account due to the inability to verify the debt, I am requesting that the remaining credit reporting agencies ( XXXX, Experian, and XXXX ) also remove this unverifiable debt from my credit reports within 30 days or less. 



Under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681i, I am entitled to have any inaccurate, incomplete, or unverifiable information removed from my credit reports. The FCRA stipulates that if a dispute results in an account being deleted from one credit reporting agencys file due to lack of verification, the same information must be removed from all other credit reports within a reasonable timeframe. 



Additionally, I am referencing Section 1681e ( b ), which requires credit reporting agencies to ensure the accuracy of the information they report. If they fail to do so, I have the right to request that they remove unverifiable information promptly, and I can seek legal recourse. 



If this account is not removed from my credit report within the next 30 days, I will exercise my rights to pursue legal action, including but not limited to filing a lawsuit for violations of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act ( FDCPA ). These laws protect consumers from having unverifiable debts remain on their credit reports, and I will seek damages and relief for any harm caused by this continued reporting of an unverifiable debt. 



Please update my credit report accordingly and provide written confirmation of your actions within the next 30 days. 



Thank you for your prompt attention to this matter. 



Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I previously filed a complaint against Experian XX/XX/2023 disputing the accuracy of the tradelines and the information provided on each tradeline on my credit report. Experian closed my complaint # XXXX attached stating the following : Per your request to conduct a reinvestigation, we contacted the data furnisher ( s ) for disputed items on your Experian credit report and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the remaining disputed information was accurate as reported. Other aspects of the disputed item ( s ) may have also been updated by the data furnisher ( s ). 

I am now requesting the procedures used to determine the accuracy and completeness of the information disputed in my previous complaint # XXXX, including all documentation in connection with the disputed information.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XXXX, I SENT IN LETTERS REGARDING INACCURATE REPORTING FALSE ITEMS ON MY CREDIT REPORT. I DID RECEIVE A RESPONSE. HOWEVER, I FEEL LIKE MY INFORMATION WAS EXPOSED TO VARIOUS COMPANIES ON WHICH THEY DON'T HAVE AUTHORITY OVER. THESE PRACTICES ARE DECEPTIVE AND CAN BE TURNED AGAINST ME.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX  DC XXXX Federal Trade Commission ( FTC ) XXXX XXXX XXXX, XXXX XXXX  XXXX DC XXXX Subject : Complaint Regarding Violations of the Fair Credit Reporting Act Dear CFPB and FTC, I am writing to formally address a critical matter concerning violations of the Fair Credit Reporting Act ( FCRA ) by Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX  It is imperative that these issues be resolved urgently, especially regarding my Equifax credit report. 

Under 15 USC 1681, Section 602, my right to privacy has been severely compromised by the actions of these creditors. The severity of this situation is further underscored by 15 USC 1681, Section 604a, which emphasizes the necessity of safeguarding consumer privacy.

15 USC 1666b, a creditor may not classify a payment on an open-end consumer credit plan as late for any purpose. Equifax, XXXX XXXX XXXX XXXX, have reported late payments without following my written instructions under the open-end consumer credit plan, constituting a direct violation of this regulation. 

I am deeply disappointed by the lack of timely attention to these issues, particularly regarding my Equifax report. I urgently request that Equifax prioritize this dispute, conduct a thorough investigation, and promptly rectify my credit report. 

Your immediate and decisive action in resolving these matters is both anticipated and appreciated. 

Thank you for your attention to this serious issue. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of transunion 's inquiry issue ''. i called them XXXX / XXXX /2017 to make them aware and to see the steps that I need to follow. customer service would not help and take care of the negative inquiries reporting to my credit report.
TransUnion had a server error, where the company had deleted a ton of inquiries from consumer credit reports, then proceeded to reinsert those inquiries back to the consumer credit reports. TransUnion failed to follow the legal procedure to actually do so. They removed all of my inquiries and placed them back and I want all of them removed because they didnt follow procedure.
Product: Debt collection

midland funding stating I must call them to resolve debt even after the SOL has passed for PA! looking over their website, credit report the information they are stating is WRONG! attached photos. they are saying on their website they will STOP reporting after 2 years -- its been over 2 years and they are still reporting. the main creditor has removed themselves from credit reports. midland is lying ( prev complaints ), PER credit report they will fall off my credit reports
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following items XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I KNOW NOTIHING OF THIS COMPANY NEVER HAD AN AGREEMENT OR CONTRACT WITH THIS COMPANY NO VALIDATION INFORMATION ABOUT THIS DEBT VIA EMAIL OR USPS AGAIN I OWE THIS COMPANY NOTHING BECAUSE I NEVER SIGNED ANY CONTRACT OR AGREEMENT WITH THEM
Product: Credit card or prepaid card

I had a problem with two charges on my card and I open up an investigation much time went by approximately 3 weeks and I never received any paperwork from the bank and they never credited the amount owed. When I called to find out about this they couldn't find my reference number and had a reopen another case. These charges occurred XX/XX/XXXX and XX/XX/XXXX of XXXX and didn't receive a credit for that until 3 months later. I've been asking for bank statements but when they send them there's always two or three months missing and the amounts charged and dates are all incorrect. Received an email on XX/XX/XXXX of XXXX saving if I had problems with the account to call and I did I asked for a statement again and they sent me ones that are incorrect when I tied to dispute the charges listed on them the bank statement that they had did not match the one they sent me that makes no sense to me I called back several times and I just get hung up on I can't seem to get any reconciliation with this account. I'm showing the discrepancy of approximately XXXX
Product: Debt collection

On XX/XX/XXXX, my debit card was hacked and i had to change banks. My automatic payment to Amazon/synchrony bank was stopped due to my bank account closed. I have lived outside the US since XXXX. 

On my credit report, Synchrony bank and then XXXX XXXX  reported the same debt at the same time. But XXXX XXXX  aged the information date on my report. My last payment date was XX/XX/XXXX as shown in the attachments. XXXX XXXX is showing it as XX/XX/XXXX in order to attempt to collect. Synchrony bank original negative report has since dropped off my credit history but XXXX remained to be able to continue harrassing and rudely calling to collect. I notified their agent about the mistake on their reporting and they told me that i was wrong, even though i had proof. I triedt to dispute with the 3 credit agencies and was rejected. I have sent emails and proof to XXXX XXXX  and they never responded to any of my emails. When their rude agents call for payment, i notify them and they rudely speak to me.
Product: Credit reporting or other personal consumer reports

Please remove all iquries from my creidit reportXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Defrauded, scammed and held hostage by a moving company / moving companies that do not have a license to operate in New Jersey and by company and companies that does not have a mandatory active XXXX XXXX XXXX XXXX XXXX 

We have XXXX XXXX XXXX XXXX XXXX  of damage to our home and property. 

Prior to the second shipment being delivered, XXXX XXXX from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX movers emailed us on Wednesday XX/XX/XXXX at XXXX stating that we the XXXX shipment will not arrive on site and will be held at a different location nearby until we wire him money to a strange account, that is not in the agreement. We were instructed in his email and his movers would not come to the house and be at XXXX location until we wired money. Wiring money was not in the agreement. He refused to apply discount nor take credit card per agreement and email from XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX I replied XXXX XXXXXXXX that we will not wire money because its not in the agreement and that he needs to apply the discount upon delivery as promised in agreement. 

XXXX XXXX XXXX XXXX  XXXX, who promised discount, blocked my phone calls and refused to call us back as we dealt with this on-going nightmare. 

Once again we were in another standoff and XXXX situation for our items, which were XXXX XXXX XXXXXXXX  as we were instructed that the driver would not wait past XXXX XXXX at another location until the wired funds hit his account at XXXX XXXX  XXXX 

XXXX, had XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

We were forced to wire an additional {$4700.00} from my Capital One Account to wire transfer to his Bank : XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NJ XXXX Routing # XXXX Account # XXXX or they would hold our XXXX  XXXX and then charge us holding fees. 

The second shipment came late as well and came XXXX XXXX. The movers then wanted more money upon delivery. 

The {$2000.00} discount was never applied like promised, and we were held XXXX to get our items back. 

The first shipment was delivered by guys hired via XXXX XXXX XXXX  and not professional movers, which we had hired per agreements. 

This is afteXXXX XXXX XXXX XXXX charged me {$8000.00} to my visa even though they were not apart of the contract. 

I also never even XXXX  this company, they were outsourced by XXXX XXXX XXXX, who's owner has been XXXX  of XXXX  and XXXX  customers as well. 

These companies do a lot of business together and all of their reviews are littered with XXXX and fraud complaints.
Product: Vehicle loan or lease

We continued to communicate with Nissan Motor Acceptance Corp. they gave us the same answer they sent you. However, we never indicated to them that we did not want them to call us. There was no communication in regards to collection and we had made calls during covid to request forbearance. They told us the car would be repossessed or we needed to pay {$28000.00} immediately. I called and asked to speak with a supervisor again and was finally escalated as they discovered they never sent us a Cure Letter. They told us they would rewrite the lease and it could take 30-45 days for us to receive a new account number. We were concerned as to if this could occur again and inquired where to send payments for each month as they took their time re-writing the lease and to assign a new account number. We just received a new account number today. XX/XX/2021 and have discovered they have tacked on misc fees. My mum is XXXX years old, we have called almost every 2 weeks to keep abreast of why it was taking so long. These fees should not be tacked onto to her account. My mother 's credit has been impacted by this error and after several calls to inquire about making payments, at no time did they request any such fees. I would hate to see what would have happened if we just " waited '' as they suggested for us to receive a new account number. This charge off should be removed and we should have received letters as to when they assigned a new account number prior to this to allow us to make the payments that we orchestrated in their absence of documentation. Please do not accept their reply that we requested for them to place a do not call on our account. The woman who called my mother had badgered her right after she shared she had returned home from XXXX XXXX. There was no request to " do not call '' as stated in their letter to you. I turned to social media as no one was assisting us through Nissan Motor Corp and my mum 's car was going to be repossessed - in error! We are now faced with extraordinary fees as we received their new account number just now 4 months later.
Product: Debt collection

I received a letter form ARSI Collection agency, they are collecting an account on behalf XXXX XXXX, the letter is an opportunity to resolve my account for less than the balance owned, the offer is good until XX/XX/2020. I called the collection agency and they informed me XXXX recalled the account from their office. I called XXXX and they couldn't find the account, they just informed me that I should wait for a call from a Law Office. Even when the offer suppose to be good.
Product: Credit reporting, credit repair services, or other personal consumer reports

For starters this is my second complaint. I have submitted many letters and spent a lot of money to send letters via certified mail. I have been requesting that this credit reporting company provide proof of accounts they claim they have verified. I have not received any physical paperwork/proof that backs up their " findings ''. In addition to the creditors not sending me any proof. I have made many attempts trying to request proof with my signature and contract that i am accused of having with these creditors. These disputes have been going on for at least 2 years with no proof. When i submit a request via certified mail it seems as if they don't even investigate just say. Even more with me. I think since i made a complaint before this company is retaliating against me by not removing the incorrect information off my credit report and not providing proof with my signature. As a consumer who has access to only so much, the credit bureau has the upper hand/ power and they use that to their liking. I do not know what else to do. Who else can i complain to to get this information corrected on my report? Who else handles disputes with credit bureaus about not getting proof of accounts that they claim were verifiable? Who do i complain to if the company has been retaliating and my issues are not being addressed properly. These creditors are as followed XXXX XXXX XXXX Don't have contract with them do not owe an account that was paid off Dept Of Ed- NEVER LATE ON PAYMENT. loans were put on hold as i was a student. Made complaint before against Dept of ED. have yet to fix it XXXX XXXX XXXX- WAS NOT LATE ON ACCOUNTS AS STATED. Company did not send out statement for months. 

I would like all the errors deleted from my report ASAP. Also requesting proof that credit bureau has with my signature need to be sent via cert mail to me.