23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

OFFICIAL CONSUMER COMPLAINT and FORMAL DEMAND a thorough CHECK of the required CERTIFIED COMPLAINT REPORTING OF PHYSICALLY VERIFIED valid, true, accurate, complete, and timely of the reported alleged claims. Furthermore, I challenge you to provide evidence supporting these claims. As a consumer, I have the right to contest the reportability of any information that is deficient in any way. I demand that you promptly and PERMANENTLY delete any alleged claims of inquiries, delinquencies, or derogatory remarks if you are unable, unwilling, or fail to demonstrate lawful evidence as requested throughout this notice. This removal must be carried out without exception or delay. 

To Whom It May Concern : My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i.

Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

They have been calling me with robo calls 6-8 times per day. Never a person always robo. I have told them numerous times to call me with a person only. I have asked them to call me during specific hours when i can take their calls. my cellphone does n't work well when im at home so i cant answer it. they have my house number but again its always a robo call never a person. Robo calls always tell me to call back a specific number but when i do Im in line waiting for more than 30 mins everytime. I am now over 5 months overdue and would like to become current but cant get a hold of them ( i do n't have time to sit on hold for more than 30 mins ) .Now they are threatening a judgement againest me. I want to pay but they wont contact me and i cant get a hold of an actual person within this stupid company. they seldomly call my home phone when i 'm actually there to answer and again even if i am its a robo call so when i call back i 'm on hold. I try to login to my account online and again their system does n't recognize my information and i 'm told to call only to get put on hold. Ive told them numerous times to call with a person not a robot and i will talk and usually by now they switch to people but still after 5 months still robo calls only never a real person. ive told them numerous times about the online login system not logging me in without calling first and they say to just call in again i do n't have the time to sit on hold " waiting in line '' for 30+ minutes.
Product: Debt collection

I had a gym membership last summer and after a car accident I had to cancel it. I contacted the actual gym staff including the XXXX to cancel my account which I did and was able to without trouble. Then Aldous and Associates start bombarding me with cryptic vague calls and voicemails. I speak to them to resolve the issue and they tell me I need to send a letter to dispute this so I do. A few weeks later I contact XXXX and Aldous and get cleared on both ends end of story. Now theyre calling me out of nowhere again, being rude over the phone and saying I never contacted them.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I called TransUnion and spoke with XXXX in Consumer Relations at XXXXXXXX XXXX on this phone number XXXX. I asked her why I was charged {$0.00} for a credit score request but never received it. I also explained to her that I am unable to get an updated report via XXXX website. The last report I was able to pull from their website is from XX/XX/year>. I have been denied credit since then and I can not pull an updated report from their website. XXXX claimed that TransUnion only provides an updated report once every 30 days but on their site it states that one can be pulled every 24 hours. I was transferred to XXXX in Consumer Relations at approximately XXXXXXXX XXXX  who helped update my report information but she did not help me pull an updated report. Please see the screenshot Ive included of TransUnions website that clearly states a report is available every 24 hours which is clearly not true. They are also violating FCRA terms by not allowing me to see my report after a denial of credit.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( s ) require rectification : US DEPT ED {$1700.00} Opened XX/XX/XXXX US DEPT ED {$2200.00} Opened XX/XX/XXXX US DEPT ED {$4100.00} Opened XX/XX/XXXX US DEPT ED {$740.00} Opened XX/XX/XXXX US DEPT ED {$4100.00} Opened XX/XX/XXXX US DEPT ED {$4200.00} Opened XX/XX/XXXX US DEPT ED {$6200.00} Opened XX/XX/XXXX US DEPT ED {$2500.00} Opened XX/XX/XXXX US DEPT ED {$4800.00} Opened XX/XX/XXXX US DEPT ED {$1900.00} Opened XX/XX/XXXX XXXXXXXX XXXX XXXX  {$430.00} Opened XX/XX/XXXX STATE OF MI XXXX XXXX {$0.00} Opened XX/XX/XXXX STATE OF MI XXXX XXXX {$0.00} Opened XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) {$2900.00} Opened XX/XX/XXXX Please remove this from my report. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this re-investigation to be completed within 30 days from the date of this letter. Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past six months of any corrections made. Thank you for your attention and assistance in resolving this matter.
Product: Mortgage

Freedom Mortgage did not disclose their Partial Payment Policy in compliance with the Truth In Lending Act. As can be seen on page 4 of the attached mortgage, the Partial Payment Policy is highlighted. They included their Partial Payment Policy, but it was under the wrong heading. The Truth In Lending Act requires the Partial Payment Policy to be included under its own heading of " Partial Payment '' rather than included in in the general " Payment of Principal, Interest, Escrow Items, Prepayment Charges and Late Charges. '' This is a violation of the Truth In Lending Act. Had the necessary disclosures been made in accordance with the regulations, there would be no issue with the way this is reported. A mortgage servicing company 's Partial Payment Policy is important enough that it should be called out under its own heading, ensuring that consumers are aware of how partial payments will be applied and how it will affect the reporting of data to their credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it blatantly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from your credit report, it has been over 45 days so it should be removed immediately. I demand these items be deleted immediately or I will file for litigation for the hardship these inaccuracies costed me. Also, my information was impacted by the XXXX Data Breach and may have got into the hands of the wrong person. 

The inquiry was not authorized XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

Please remove it from my credit report.
Product: Checking or savings account

PNC will not allow you to connect with nearly any service such as XXXX or XXXX. By not having this accessibility, we are limited in using our accounts as we see fit. I am likely switching banks due to this because it has become more problematic over the years but the CFPB and customers should be aware of this issue since they do not tell you that your bank has limited accessibility at anytime. We've never even received warning about any of this.
Product: Money transfer, virtual currency, or money service

Cashapp XX/XX/year> {$280.00} I kept calling to decline I transaction that was took off my card but no reply nor answer I even texted the email address several times n no reply
Product: Money transfer, virtual currency, or money service

I paid for XXXX pieces of furniture through XXXX and my JP Morgan Chase bank account. I had previously purchased from this business using XXXX and had no issues. I know the person and the business and they have been registered with XXXX a long time. I never received the merchandise and the business stopped responding to requests for the merchandise or a refund. I received a letter from JP Morgan Chase even dated the same day I reported stating they would do nothing and the matter was closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 
The Following Account has violated my Rights Everything has to be 100 % accurate on my Credit Report. 

Account : VANCE & HUFFMAN LLC - Acct number : XXXX XXXX XXXX 1681 Section 602A. States I have the right to privacy.

15 USC 1681 Section 604A section 2 : It states a consumer reporting agency can not furnish an account without my written instructions.

I submitted a complaint with the BBB and the Attorney Generals Office. This Collection Agency and Credit Bureas are volating my rights and costing me dearly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX inquiries on my credit reports dates XXXX-XXXX-17, and XXXX-XXXX-17 which I do n't recall authorizing.
Product: Debt collection

I just received a notification on my experian credit report that a collection from a " Phoenix Financial Services '' is owed in the amount of {$1900.00}. I've never done business with this company nor do I have any dealings with them. I do not owe them a debt so there is no reason this should be on my credit report. They do not have any contractual obligation from me because they would be able to provide my wet signature. This is not in accordance with the FCRA regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. There were unauthorized INQUIRIES on my credit report.
Product: Vehicle loan or lease

XXXX XXXX XXXX. 
I purchased a car from a small car dealership off XXXX XXXX in XXXX XXXX in XX/XX/2015. The company went out of business four years ago, I was still taking payments to the manager. He did not share with me that the company had folded, and he was still taking my payments from me. I found out that the loan was sold to another company. They repossessed the car stating that I never made payments. The car loan is not on my credit because the old company wrote the loan off and it was removed from my credit. The new company stated that they purchased the loan, and they stated that they served a letter to my mothers old address stating that I am still responsible for this loan, for a car that I no longer have. Clerical billing errors were made, payment mismanagement, and the companys record-keeping of customer files was unkempt. 
I would have responded to them promptly If I would have received a notification to dispute these claims I would have provided all the money orders that I gave the dealership for payments. I cleaned all my files since the account was removed from my credit because the debt was removed. I am requesting that the errors be corrected and that any charges be removed. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 

XXXX XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXX XXXX XXXXXXXXBalance Owed : {$500.00} ; XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX Balance Owed : {$660.00} XXXX XXXX XXXX XXXX BalanceOwed : {$660.00} ; XXXX XXXX Balance Owed : {$3200.00} ; XXXX Balance Owed : {$3600.00} ; XXXX Balance Owed : {$1500.00} ; XXXX Balance Owed : {$1500.00} ; XXXX XXXXBalance Owed : {$890.00} ; XXXX XXXX Balance Owed : {$11000.00} ; XXXX XXXX Balance Owed : {$4800.00} ; XXXX XXXX XXXXBalance Owed : {$27000.00} ; XXXX XXXX Balance Owed : {$6100.00} ; XXXX Balance Owed : {$2700.00} ; XXXX  XXXX Balance Owed XXXX {$5000.00}.
Product: Checking or savings account

On XX/XX/XXXX I contacted XXXX now PNC to let them know my personal checking accounts were compromised by one of their employees at the XXXX Ca branch. The employee 's name is XXXX XXXX. I had XXXX business account and XXXX personal accounts. Only one of my business account I had a cosigner, XXXX XXXX XXXX. I had to travel to XXXX due to personal matters ; therefore, I was not in the United States. On XX/XX/XXXX XXXX XXXX gave full access to all of my checkings account including the one he was not a cosigner. She also gave him full access to my online banking giving him my ID and password. With this, XXXX tried to take out money from my personal account. When I noticed all of this, I contacted the bank on XX/XX/XXXX and told them all the situation. On XX/XX/XXXX the bank contacted me and gave me a case ID : XXXX. 
The bank opened an investigation regarding this matter but they did not do anything. The only thing they did was close my accounts and open new ones. The employee, XXXX XXXX, is still working there and I have the same risk that my account gets compromised.
Product: Credit reporting or other personal consumer reports

XXXX is been playing with my personal information for years. I requested this address it to be removed from my credit many times but nothing happened. I never live in those addresses, so they should never be in my file.
Product: Payday loan, title loan, or personal loan

I had a payment get returned. I received a call from them to settle the matter. I told them I would pay them XX/XX/XXXX and figure out how to pay the past due. They keep calling me and my wife after giving them my answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

An unpaid outstanding balance for XXXX XXXX is listed on my credit reports : XXXX, XXXX and Transunion, in error. I do not owe the amount that the credit bureaus are indicating. I ended my services with XXXX XXXX on XX/XX/XXXX and made my last payment, after verifying the amount due, on XX/XX/XXXX. I also verified on XX/XX/XXXX that no further balance was due. Then a couple months later I started to receive letters claiming that I owed XXXX XXXX {$270.00}.
Product: Debt collection

On XXXX XXXX, 2015 I send a debt verification letter to Receivable Performance a collection agency. The agency dont answer the letter. This agency report the account # XXXX to XXXX major credit bureaus ( XXXX, XXXX, XXXX XXXX ). I have copy of the Certified Mail Receipt and USPS tracking card and copy of debt verication letter.
Product: Vehicle loan or lease

Financed XXXX XXXX XXXX with XXXX  XXXX XXXX XX/XX/XXXX. Paid on the loan as agreed and balance never changed. Everytime I looked up I was being charged fees and have no idea why. When I would question fees being charged and why, I could never get and explanation. In XX/XX/XXXX I had a car accident and the vehicle was totaled. Insurance paid and gap paid and there should be no balance left. Santander continues to call me about a balance that I do not owe and can not explain why I owe {$4100.00} when I had full coverage insurance and gap insurance.
Product: Vehicle loan or lease

I am paying off my XXXX XXXX with Audi Financial and can not get my title in a timely manner. I have already communicated with Audi Financial. 

I sent the payoff check on XX/XX/ and Audi Financial confirmed they received the check on XX/XX/. I called them on XX/XX/ to check the status and was told the processing time is 6-8 weeks. This is a long time holding {$26000.00} dollars but not releasing the title to me. Consider there are lots of similar complaints online ( waiting for the title for months ) that Audi Financial is conducting financial crime by taking money and holding car titles in hand without releasing them and manipulating the used car market.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 





UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This company calls me 15+ times a day and has now started calling my parents  on both their landline and cellphones. They dont ask my parents  for my current contact information because they already have it. They have shared private information with my parents stating that they are trying to collect a debt. I have asked them to stop contacting my parents and they wont stop. I also get calls every day of the week including starting at XXXX on Sundays.
Product: Debt collection

XX/XX/2022 - Received a call from Tek-Collect to collect a debt for XXXX XXXX XXXX XXXX I informed the rep. that the debt was paid by insurance and should not have been sent to collections. The rep. asked if I would like to dispute the debt and I accepted. 

XX/XX/2022 - Documents were received from Tek-Collect that were sent to them by XXXX XXXX XXXX XXXX After reviewing the documents I noticed the claim was submitted to my insurance company but filed under another patient 's account at XXXX XXXX XXXX. I called Tek-Collect and spoke with a rep who was unable to assist so I requested to speak with a supervisor. The supervisor I spoke with was XXXX. While on the phone with XXXX I walked him through my findings on the documents and he agreed the debt amount attempting to be collected was incorrect. XXXX then informed me that he would reach out to XXXX XXXX XXXX for more information to get the issue resolved and will keep me updated. 

XX/XX/2022 - I receive a call from Tek-Collect to collect a debt. I informed the rep that the collection is under dispute and I haven't heard anything back from XXXX. The rep. then directs my call to XXXX who informs me that since I have an outstanding debt my information is on the call list to collect. He removed my information from the list and informed me that he had not heard back from XXXX XXXX XXXX. 

I have disputed the debt with the three credit bureaus more than once. XXXX has acknowledged my complaint and dispute and has since removed the debt from my credit report. However, XXXX and XXXX both show the disputes as resolved and claim the collection amount is correct and verified.
Product: Checking or savings account

I wrote a check on XX/XX/XXXX, Check Number XXXX for {$390.00}. I got home and realized store misrepresented sale, called my bank at ( XXXX ) XXXX, requested they stop payment on the check, which had not yet posted. 
When it posted on XX/XX/XXXX, recalled Bank, told me I had to file a different type of claim. I went into my branch to sign documentation onXX/XX/XXXX and told Bank would not assist me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont recognize inquiries on my credit report, I did not authorize any inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDIT ACCEPTANCE XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was used improperly, In Accordance with the FCRA section 611 this companies violated my consumer right. please kindly remove all the inquiries from my credit report because i did authorize them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX