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

I have tried on multiple occasions to get Transunion to remedy inquiries that have been placed on my credit report which lack permissible purpose. Their answer is always " Inquiries are factually based. '' Any complaints in writing are met with a condescending explanation of what inquiries are, and how long they stay on a credit report. Their assertion that inquiries are n't disputable is a violation of the FCRA, as is their equally incorrect assertion that the consumer does n't need to " put anything in writing '' for the inquiry to have permissible purpose. ( Section 604 of the FCRA would contradict that claim. ) Then, when I write to each creditor that I am disputing inquiries with, and they agree that the inquiry should n't have been placed on my credit report, they call Transunion and are told that they ca n't make changes to my credit report. This is after Transunion reps told me that I would have to dispute the inquiry directly with the creditors. And finally, when the creditors do n't respond to my written disputes, or the letters are sent back marked " return to sender, '' Transunion reps tell me that my only remaining option is to visit the creditor personally, because I 'm seriously going to drive from North Carolina to Texas or California, all because Transunion wo n't give me the correct information and proper tools to do their job for them. XXXX is equally obstinate concerning not allowing the dispute of inquiries, which I still maintain violates the FCRA, but at least their representatives are friendlier while refusing to listen.
Product: Checking or savings account

Truist charged me overdraft fees of {$100.00} total on XXXX separate purchases for which I had money in my account to cover. When I called, they claimed that other charges ( which did not even show as pending in my account until today, XX/XX/21, when I received my paycheck ) were responsible. However, I was not charged for these purchases but instead charged for the XXXX purchases for which I had money. I keep my own balance of my account as well as checking my balance daily online to ensure I do not overdraft. Truist only offered to refund {$72.00} of the {$100.00} overdraft fees I was charged as they said their system would not approve more and no one could override it.
Product: Credit reporting or other personal consumer reports

Please be advised that this is my 3 rd WRITTEN REQUEST AND FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my right and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of that of the documents that you used to verify the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after 2 written requests is also evidence of your Willful disregard of Federal Law.

When we go through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you do not have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and Court will order you to delete them.

You say that you have reinvestigated these accounts but you have admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation in violation of 1681 { a } { 4 }.

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law.

Please be advised that under Section 611 { 5 } { A } of the FCRA-you are required to .PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED. I request that you do this immediately.

The law is very clear as to the Civil liability and remedy available to me { Section 616 & amp ; 617 } if you fail to comply with Federal Law. I am a litigious consumer and fully intend on fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I DEMAND THAT YOU DELETE ALL OF THE ACCOUNTS LISTED BELOW IMMEDIATELY. PLEASE PROVIDE ME WITH A COPY OF AN UPDATED AND CORRECTED CREDIT REPORT SHOWING THAT THESE HAVE BEEN DELETED.

Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name XXXX Date XXXX Account Number XXXX Reason for dispute__WITHOUT EFFECTIVE CONSENT_ Account XXXX Account Name XXXX XXXX  Date XXXX Account XXXX Reason for dispute_WITHOUT EFFECTIVE CONSENT Account Amount {$970.00}
Product: Credit reporting or other personal consumer reports

I have previously sent multiple disputes regarding the fraudulent account listed on my credit report, but it appears that your organization has chosen to disregard the clear evidence I have provided, ignoring the gravity of the situation. This fraudulent account is having a detrimental impact on my creditworthiness, and your lack of action is nothing short of appalling. 
The fraudulent account details are as follows : XXXX XXXX XXXX  XXXX Remove this fraudulent account from my credit report without any further delay. 
I want to emphasize that I am fully aware of my rights under the Fair Credit Reporting Act, and your organization 's failure to adhere to these regulations will not be tolerated. If you do not comply with these demands, I will have no choice but to escalate this matter to the highest levels of authority and pursue legal action against your organization for the damages it has caused to my financial well-being and peace of mind.
Product: Mortgage

It all started from XXXX XXXX  mostly all of XXXX playing the loss mitigation shuffle game and dual tracking me to a accelerated foreclosure, only after I filed a complaint withe the CFPB they seemingly proceeded to do the right thing but not long after their unethical ways surfaced again. Going into the end of XXXX there was a trial payment plan offered and I accepted it solely as the successor of interest who was the only person of contact with XXXX since the summer of XXXX regarding the loan and sending payments to them. The agreement was for me to submit 3 monthly payments of XXXX starting XX/XX/XXXX as agreed upon, no sooner as I was about to send the third payment for XX/XX/XXXX I discover that my loan was being transferred over to Mr. Cooper at first I though it was retaliation but to my surprise I was hit with a curve ball. XXXX XXXX did not give me chance to complete my ordeal with them properly before transferring me over to Mr cooper 2.unethically they sent me a impossible loan modification agreement by adding XXXX additional people who I don't talk to and I don't no where they live, my point is there were not XXXX people sending them mortgage payments the last XXXX years and there was not XXXX people who agreed to make the XXXX trial payments and when I brought this to their attention I was told " you are going to have to deal with Mr Cooper after XX/XX/XXXX about this situation. There is no way I can get XXXX people which XXXX is scattered across the United States and I don't know where they live or communicate with them and all of us supposed to sign XXXX document under XXXX building and get it notarized. XXXX could have done better than this and it's unfair if this is the case why didn't XXXX leave XXXX slots for the trial period or agreement or accept payments from XXXX other people the last 5 years. What makes this worse is that Mr Cooper is threatening to continue the Foreclosure on me if I don't produce the loan document by XX/XX/XXXX and today is the XXXX. This is totally unfair when on multiple times since Mr Cooper has taken over the account XX/XX/XXXX I have asked them to give me time to work out this terrible situation. It's like they are Carrying out XXXX 's dirty deeds. XXXX more thing that I have to add is Mr Cooper is trying to make me pay an extra XXXX in costs for a Foreclosure that have never happened.
Product: Debt collection

XXXX XXXX XXXX stated that I caused or ALLEDGELY caused some type of " property '' damage to a neighbor. I received a letter from XXXX XXXX XXXX in the mail on XX/XX/XXXX 
On XX/XX/XXXX I email XXXX XXXX XXXX regarding the claim to the email address they had on file " XXXX '' I email them on the following datesXX/XX/XXXX XX/XX/XXXX ( Twice )XX/XX/XXXX I received a letter from JNR Adjustment Company ( Debt Collector for XXXX XXXX XXXX ) onXX/XX/XXXX. I called JNR Adjustment Company on XX/XX/XXXX @ XXXX XXXX 
XX/XX/XXXX@ XXXX XXXX 
XX/XX/XXXX @ XXXX XXXX 
I did not receive a call back from the company, so I XXXX the company name and owner XXXX XXXX and email him at XXXX onXX/XX/XXXX 
On XX/XX/XXXX, I received a call from XXXX from XXXX at JNR@XXXX He left a message and I called him back at XXXX 
XXXX called me back at XXXX. I informed him that the call would be recorded. XXXX informed me that he did not want to be recorded and immediately ended the call.
Product: Debt collection

Never received written verification of debt called repeatedly ring twice hung up violated fair debt act they will not work with you all they want to do is garnish your wages there above the law judge don't care they violated the fair debt act.
Product: Vehicle loan or lease

M & T is refusing to release the title to my XXXX XXXX  I completely pay that loan off and the vehicle was refinance with a new credit union But M & T are doing fraudulent activity with I This account they send me all the satisfaction documentation and they cashed the check from the another financial center and by law know cant have two open loans on the same vehicle
Product: Credit reporting

I am victim of identity theft and have informed Experian that I filed FTC report and can they remove fraudulent accounts immediately
Product: Debt collection

Have requested itemized bill regarding XXXX charges several times. I have NOT received itemized bill and Vantage Sourcing continues to call me DAILY. They claim that I continue to hang up on them and that I have never requested itemized bill which, is completely untrue. And, ironically they say that all calls are recorded and monitored but seemingly they can not go back and review to confirm that I have requested itemized bill and to not be called any more.
Product: Debt collection

National Credit System is attempting to collect a debt from me for XXXX dollars and I never established a contract with this company.Furthermore this company has reported negative items on to my credit report and is violating the FCRA standard.
Product: Credit reporting or other personal consumer reports

Recently I saw a Late Payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error and I just would like for it to be corrected. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after XXXX XXXX XXXX Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

CFPB Writeup : In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 16811 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the account, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, MA XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed XXXX {$150.00} XXXX  XXXX Balance Owed : {$710.00} XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Consumer Loan

ON XXXX I WENT TO XXXX TO GET A NEW CAR I TOLD THE SALES PERSON I ONLY WANT XXXX INQUIRE ON MY CREDIT REPORT REPORT SO THE AGREED TO RUN MY CREDIT WITH XXXX BANK ONLY WELL I GOT HOME THEY HAD RAN MY CREDIT WITH OTHER BANKS WITH OUT MY CONSENT
Product: Debt collection

Central Portfolio Cont XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MN XXXX Ph # XXXX I received a letter from XXXX XX/XX/2020 Central Portfolio Cont indicating that I opened an account with them on XX/XX/2020 and that I now owe them, {$8900.00}. They said the account is closed. It is showing as derogatory on my credit report. 

I dispute this claim of indebtedness in its ' entirety. I do not recall having any contact with this company or owing them any money, nor do I recall appropriating any benefit from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting that my credit score is  being impacted by the credit inquiries on my file. The inquiries were part of mortgage rate shopping when I was buying a home in XX/XX/XXXX/XX/XX/XXXX. 

I called XXXX complaint line and the representative suggested that they can not do anything about it and that I need to wait until they fall of my report in XX/XX/XXXX / XX/XX/XXXX. 

Its unfair that mortgage rate inquiries are reported to be impacting my credit score and staying on my file for 2 years and affecting my credit score negatively. This is detrimental to the dream of being a home owner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a payment through the capital one app and also set up auto pay. The auto pay never processed. I also have alerts set up on my account so that if there is a payment missed or late, I would be notified, Not only did the autopay not process but I also did not receive any alerts. I was only notified by XXXX XXXX that a payment was missed. I called capital one to report the system error and they transferred me around for 3 hours. They admitted that there could have been a system issue with the app but continued to insist that there was nothing they could do about it. This is very unfair and wrong. I am doing my best to pay this debt off. This is a closed account. I should not be going through this. Can you please help.
Product: Checking or savings account

I opened my checking and saving account with Bank of America around 4 or 5 years ago. I have been using the both account in the similar matters for years without any issue. 

Today I received an email notifying me that my XXXX account is no longer connected with my email address, which is very strange because I didn't do anything on my end. Until Later I logged into my online banking finding out with customer services that both my checking and saving accounts are terminated without notice meanwhile they did not provide me with anything that explains why. 

This two accounts are financially supporting my daily needs, now they even refuse to tell me a date that I will be receiving my money or finishing the closure process.
Product: Credit reporting or other personal consumer reports

I've noticed unauthorized inquiries on my credit report that I would like removed. I've also reached out this company to no avail.
Inquiry Date - XX/XX/2023
Product: Credit card or prepaid card

I made a reservation for a property rental in Washington DC on XX/XX/2020 to attend my daughter 's XXXX XXXX  ceremony from XXXX in XXXX. I used XXXX. The company that manages the property I was to stay at is XXXX XXXX. Per XXXX  policy the reservation could be cancelled through XX/XX/2020 with no fees incurred. I attempted to cancel via XXXX but their app/site was non-responsive and provided error messages. This was right when the president 's pandemic shut down went into effect. I called the property and advised I was cancelling. They delayed returning my call and when they did the individual said he was going to email me a form to sign authorizing a charge of a 'reduced rate ' of {$1200.00}. I told him I had cancelled via XXXX per terms. XXXX will not answer their phone and I have tried connecting them several times. This charge is fraudulent as I did cancel by the required date to avoid any fees. XXXX XXXX, the merchant sent me via email a credit card authorization form which I did NOT sign nor return. This is fraud. They send AMEX copies of online email forms where THEY, XXXX XXXX, keyed their own terms into a XXXX reply. Why would XXXX XXXX generate an email with an 'chard card authorization form ' - which I DID NOT SIGN nor return to them? They KNOW they do not have my authorization for the charge. It is fraud. I expect American Express to reverse this charge.
Product: Vehicle loan or lease

On XX/XX/2020 I have communicated with Nissan Motor Acceptance Corporation about my situation due to loosing my job, then I lost my son 2 months later..and they still reprocessed my car as of XXXX..I ask them to give me more time, due to my circumstances, they dont care..after I told them I have another job now..just give me time, I had the car for 3 years.I even ask for a payment plan, they denied me.
Product: Vehicle loan or lease

statement balance is showing I owe XXXX I do not know how they came up with this balance. I have tried to reconcile my statements. I have tried to talk to them the insist i still owe all this on XX/XX/XXXX, and XX/XX/XXXX I had my boss on the line we called santander and he listened we spoke to a supervisor and she assured us if I made a XXXX payment it would bring me current and i would have another payment due on XX/XX/XXXX so my following payments would be I ended up paying XXXX and XXXX which would leave a balance of XXXX then on XX/XX/XXXX i would owe another payment balance owed XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX basicly i made 2 payments they both got reveres both payments were for XXXX i can see where thats taken off and re added what i dont get is how they say i owe XXXX???? 

the last statement i can get and download is dated XX/XX/16 and has a balance due of XXXX which is due on XXXX so 11 days after my payment due date? 

so add XXXX and XXXX bill and it would be XXXX and that is still off XXXX anyway ive called numerous times ive asked to speak to a supervisor so i am sending this all to you and disputing the ammount of XXXX my balance owed should be as of XX/XX/XXXX payment XXXX thats XXXX XXXX and XXXX payment this account is still reporting as charged off they assured me they would not report it as that and they would charge no fees this origanal loan was sold to them from XXXX
Product: Debt collection

This was a " debt '' I got after we moved out of a shared apartment during college. We had perfect renters history and had a {$0.00} security deposit because of it. After living at this apartment for a year, and moving out ( leaving the apartment in good condition like when we moved in ) they decide to hit us with {$650.00} in fees!! I received NO notice from the apartment complex and was sent straight to collections, so I did n't receive word until about 4-5 months later. It was a joint debt shared by 3 people. 2 of those people paid their share, including me, and yet I was not removed. Debt collector lady said she could not tell me if I could be removed from this debt.. XXXX
Product: Debt collection

I settled this with company but it is still on my XXXX  credit report