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

I contacted Transunion onXXXX in regards to not being able access my consumer report. I spoke with XXXX. he was unable to access my consumer report an referred me to online dept. Where I spoke with XXXX who was very robotic in repeating her script and not listening to nothing I was saying. 
She stated I couldn't get access to my online report for another 30 days when the Free Annual Credit report says can have access to every 7 days. However I never got access on the XXXX which is why I was referred o see if they can access it yet the transunion XXXX XXXX stated she could not access and gave me a case number XXXX XXXX XXXX I told I have not got a report in 3 years due their inaccurate reporting being and issues passing the verification. She kept robotically repeating the same script over and over so I asked for a Supervisor she connected me to XXXX who handled my request like a child. I told him I never gave access for them to report my info and I need to see a document with my signature and XXXX stated that he had it I said how I never even signed anything Then Supervisor XXXX said They don't need to follow that process when I stated that 15 USC 1681b that they must have my consent. 
I just opted out of XXXX with the same information and they respected my request and opted me out. 
Why is transunion being neglectful and down right disrespectful with my consumer report when they just got sued this year? 
I have screenshots. 
I am seeking damages and I want my part of Transunion recent and current civil case lawsuit {$23.00} million. They have caused me homelessness and mental anguish. I have not have a place in my name in over 10 years. 

I need transunion to stop reporting false information. I just applied to XXXX XXXX XXXX today and they I had to put down a down payment of {$100000.00} due to transunion yet my score with XXXX is XXXX They need to be shut down because clearly
Product: Credit reporting or other personal consumer reports

My Bank sends me a Alert it says Credit & Identity Alerts View your alerts for credit report changes, use of your SSN with a different name or address, or dark web activity associated with your identity. 
Someone is using my social security number
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter previously ( XX/XX/2021 ), asking to reinvestigate the accounts being reported to my file but the bureaus never responded back. It has been over 60 days since then and I have not any response yet. I think I am being taken for granted, being taken advantage of and being ignored of my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly.

I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to get a loan on a used vehicle in my budget for XXXX with over XXXX miles on it on the XXXX XXXX website In XXXX Michigan they ran my credit through XXXX different predatory lenders and I was denied because the vehicle had to many miles on it not because of my fico score. They attempted to make go through a high interest loan company with a 23 % interest rate. This doesn't help me the consumer that's XXXX and on social security. Now I have XXXX unwanted inquiries and no vehicle XXXX XXXX. This is ridiculous! Are there laws to protect me the co sumer from this? The dealership knew full well as he told me in a text " he was limited on financing due to the high miles on said vehicle "
Product: Debt collection

On  XXXX   XXXX ,  2017 , I received a letter dated  XXXX   XXXX ,  2017 , from  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  attempting to collect an alleged debt which they claim I owed to Cap ital One Bank ( USA ), N.A.  The letter claimed that failure to dispute the debt within 30 days would result in an assumption that " the debt is valid ''.     On  XXXX   XXXX , 207, I sent to  XXXX    XXXX   XXXX   XXXX  , via Certified Mail Return Receipt Requested, a letter demanding strict proof in the form of my actual signature on an application for credit and/or an agreement for credit. The letter was delivered to  XXXX   XXXX   XXXX  ,  XXXX   .  on  XXXX   XXXX ,  2017 .     On  XXXX   XXXX ,  2017 ,  XXXX   XXXX   XXXX   ,   XXXX   .  sent me a letter stating that they had " not had sufficient time to investigate this matter and were unable to verify the debt at this time. '' That letter arrived  XXXX   XXXX ,  2017 .     On  XXXX   XXXX ,  2017 , I pulled each of my  XXXX  credit reports and noticed that the alleged debt had not been marked as " disputed '' under the requirements of the Fair Debt Collection Practices Act and Fair Credit Reporting Act, as well as the laws of the State of Texas.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXX, has violated my rights.

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

Your office is in violation of my consumer report given to me by congress as s federally protected consumer. YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section.After reviewing my consumerit has come to my attention that your office ( XXXX, Experian and XXXX ) have again violated my privacy. 15 USC 1681 ( a ) ( 4 ). You also have placed false inaccurate collection accounts on my consumer credit report that I would like to remove the XXXX XXXX XXXX california XXXX XXXX XXXX XXXX, XXXX XXXX Amount : {$3600.00} Filing Number : XXXX and Amount : {$3600.00} Filing Number : XXXX In addition, your office is in violations of the following violations : 15 u.s code 1692g ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

15 u.s code 1681s-2 ( A ) ( B ) ( i ) ( ii ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to today to inform you I was a victim of identity theft. I researched on how to remove the fraudulent inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any inquiries listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of inquiries which do not belong to me or were opened without my permission. 
XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

this is the 2nd attempt to resolve this matter in relation to a XXXX account that was started in my name. in my previous complaint i have REQUESTED that XXXX or diversified consultants to send me ALL proof of this account when it was started, how it was started, and a copy of the drivers license, or signature that they had on file when the account was started. i have asked numerous times to VALIDATE that this account was truly set up by me or if this account was even started at all. i have been in compliance and mailed my fraud affidavit in XX/XX/2017 along with my drivers license that showed the date of issuance for XXXX fl at the address XXXX XXXX XXXX  XXXX XXXX XXXX fl, along with a savings account bank statement dating the specified times requested. and police report for a miscellaneous crime to XXXX fraud department and have not heard from ANYONE. i am getting weary and do not feel like i have to keep trying to prove that i did not set up nor use said account. so this is my 3rd attempt to ask XXXX or diversified consultants to send me PROOF that it was indeed my account and that I AM REQUESTING the store location as to where this was started and the sales member to be identified who allowed someone to start an account in my name without me being there. the name on the account is XXXX XXXX that alone should suffice that you have the wrong XXXX. my name is XXXX XXXX. XXXX i have never had my name changed to anything else. as stated above i need ALL documents in relation to this account especially how it was started and what verification XXXX went through to make sure that it was indeed I XXXX XXXX that was starting services. if the two company 's can not provide these requested documents then you MUST report to all bureaus for deletion for reasons of no validation. thank you.
Product: Credit reporting or other personal consumer reports

This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS.

The item is not correct and is causing me financial and emotional distress because of its derogative nature. The following items must be updated : XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( MO ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefor any such debt, in fact therefore exist.
Product: Credit reporting or other personal consumer reports

these companies do not belong to me. 

XXXX XXXX XXXX ( OPENED XX/XX/XXXX ) XXXX XXXX XXXX ( OPENED XX/XX/XXXX ) XXXX XXXX ( OPENED XX/XX/XXXX ) ( XXXX ACCOUNTS ) XXXX XXXX XXXX ( OPENED XX/XX/XXXX )
Product: Checking or savings account

From XXXX I was employed at XXXX XXXX XXXX XXXX XXXX As part of my compensation, I was given and funded a XXXX XXXX savings account with Branch Banking and Trust of NC. That account had {$3900.00} on XX/XX/21. 

BB & T merged with Suntrust, which in turn merged with Truist ( XXXX ). Now, Truist denies that I was ever in their system. 

Can you help me recover the money I invested?
Product: Credit reporting, credit repair services, or other personal consumer reports

Lord have mercy. I do not know where to begin with this horrible company that has been negatively affecting my credit report and costing me thousands of dollars in interest. I had settled my debt with XXXX XXXX through a debt collection company named XXXX XXXX XXXX back in XX/XX/2020. I paid this debt collector {$260.00} and the Plan ID # also known as the confirmation number is : XXXX. I called XXXX XXXX XXXX and spoke with an associate by the name of XXXX XXXX. I informed him that I have made an agreement with XXXX XXXX XXXX stating that I would pay the debt of {$260.00} in order for them to delete and remove the account completely off of my credit report. He informed me that he is UNSURE why said account is still showing on my credit reports because the company requested a deletion from the 3 credit bureaus back on XX/XX/2020 and he also informed me that their department which settles debts asked the 3 major credit bureaus to remove said trade line from my credit reports. This company is hurting my credit profile, I already paid the alleged debt that was owed why are they still trying to destroy my credit profile? I would like this company removed and deleted from my 3 credit reports IMMEDIATELY as they are NEGATIVELY affecting my credit score. I would also like to add that these companies have violated my rights under the FCRA, 15 U.S. Code 1681s2 states A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.This is a clear violation AS THE LAW SAYS. I have attached a copy of this inaccuracy from the 3 credit bureaus and am seeking Montery relief from all companies involved with this violation. I have sent the 3 credit bureaus A LOT of letters stating this inaccuracy and all they have done was further violate my rights by updating this alleged debt and not fully investigating as they should have.
Product: Debt collection

Receivables Performance XXXX, put a thing on my credit report. They say I owe money to XXXX. XXXX does not recognize that I owe the company any monies. I contacted Rec. Performance a month or two ago and was told they would look into it and get back to me. I have NEVER received ANY communication from Rec Performance and only found out about this via a report on XXXX. I have spoken with you about it previously and contacted XXXX. Other credit reporting agencies have removed it. Thanks for you assistance XXXX
Product: Debt collection

Repeatedly calling my place of business demanding to speak with someone. Hes called various departments in my company and spoken with random people trying to get transferred to me
Product: Vehicle loan or lease

Formal Complaint Against Santander Consumer USA and XXXX XXXX XXXX for Violations of TILA, Deceptive Practices, and Excessive Interest Rates To Whom It May Concern : I am filing this complaint against Santander Consumer USA and XXXX XXXX XXXX for several violations regarding a vehicle purchase loan. The following legal issues are present : TILA Violations ( 15 U.S.C. 1601 et seq. ) : The APR and finance charge in my client 's loan agreement are not properly disclosed. The finance charge of {$19000.00} is excessive, and the interest rate of 15.49 % was not properly communicated, violating 15 U.S.C. 1638 ( a ). 
Excessive Interest Rate : The interest rate of 15.49 % approaches New Yorks usury cap of 16 %, suggesting predatory lending practices. 
Deceptive Acts ( XXXX XXXX XXXX ) : Hidden fees, such as a {$3600.00} service agreement, were not properly disclosed, violating New Yorks deceptive practices law. 
Improper Security Interest Transfer ( UCC 9-210 ) : The security interest in the vehicle was transferred to third parties without my clients knowledge or consent, violating UCC Article 9.
Product: Mortgage

We sold our house and Escrow team contacted SunTrust Mortgage for final pay off amount on XX/XX/XXXX. We got the amount details and Escrow team paid off in Full on XX/XX/XXXX. However, there was auto payment scheduled that night and an amount of XXXX $ with drawn from my checking account on XXXX. 

When i contacted initially, they agreed that autopayment was not cancelled and they will refund the amount ( XXXX ). 

When i called them 2 weeks later, they said that amount was adjusted to my loan. I asked them how could they adjust that amount to the loan after i got the pay off amount including all taxes, etc. 

There is no proper answer to that, and the Reps keep forwarding my calls from 1 team to another or keep me on hold for several hours. I asked them to send every single payment i paid from the beginning and how this XXXX $ amount missed in their pay off calculation just 2 days before. No response to that.
Product: Credit reporting, credit repair services, or other personal consumer reports

How can you report this account as Late Open when my record shows that this account was Balance is XXXX? Please correct this account immediately. Also, you are reporting an account that is deleted from another Bureau. 
OAG CHILD SU XXXX Balance : {$0.00}
Product: Checking or savings account

I recieved funding through goverment assistance covid-19. And recieved a goverment check for XXXX for deposit into my business account with Navy Federal Bank. XX/XX/XXXX the check was deposited and immediately flagged as a fake check. After reviewing and verifying the check a portion of the funds was released, XXXX and immediately on friday all acounts was froze and closed without warning or notification.When i called to check what was going on they said they had high belief that the check would not clear. I knew this was false because it was a goverment check. After verifing the check was indeed legit, they later said my account was set up wrong for my business account.After sending all the documents to correct they still did not deposit the check. Ater waiting on hold for over several hours they said the check would be returned and the account closed. I asked what day the process would start so i can notify the XXXX loan department and get a reissue of the check they are holding, they said up to & mounths to return the check! after i informed them that this would cause me to defult on the funding and miss the dead lines set for funding that i signed for they refused to give me a number to a complaint department or even a explanation on why the funds was held. I find the only reason they had for not releasing the funds was racially motivated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never opened this accounts and I never authorized it fraud XXXX XXXX Reported : XXXX XXXX, XXXX + {$470.00} Closed XXXX XXXX Reported : XX/XX/XXXX + {$0.00} Closed XXXX XXXX XXXX Reported : XX/XX/XXXX + {$0.00} Closed XXXX XXXX   Reported : XX/XX/XXXX + {$510.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$490.00} Needs Attention XXXX XXXX Reported : XXXX XXXX, XXXX + {$240.00} Needs Attention
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is in violation of my HIPPA rights. 

XXXX XXXX XXXX is also in violation of my HIPPA rights. 

XXXX XXXX XXXX is in violation of my HIPPA rights. 

XXXX XXXX XXXX is reporting invalidated, unverified debt to Experian. 

XXXX XXXX XXXX is selling invalidated, unverified debt to XXXX XXXX XXXX XXXX. 

Experian is reporting invalidated, unverified debt that is in violation of my HIPPA rights that was obtained from XXXX XXXX XXXX that was sold by XXXX XXXX XXXX
Product: Debt collection

XX/XX/2018 - received a call from XXXX XXXX XXXX in an attempt to collect {$120.00} in a past due medical bill. The agent asked how I would like to take care of the debt today, and I told her that I did not have any money to pay today. She then asked when would I be able to pay the debt, and I said within a month I should be able to pay. She then made the comment of " It is going to take you a month to pay {$120.00}? '' in a very rude and demeaning tone. I then asked the agent if she had {$120.00} I could borrow to pay the debt and she returned with a question " You pay your cell phone bill right ''. I took that question to mean, if I am able to pay my cell phone to keep the collection calls coming in then I should be able to pay the {$120.00} amount that is owed. I asked to speak with her supervisor. The supervisor came on the line and very rudely stating the agent advised her of the situation. I explained to the supervisor how I felt that the agent was making fun of my financial situation and asked the supervisor what business is it of the agents if I pay my cell phone bill. The supervisor explained that financial information is asked to determine if a person can actually pay the debt that is owed. I told the supervisor that I understood but that should've been a statement made prior to asking about my cell phone bill. The supervisor became very rude and dismissive as if my complaint was not worth her time. I then asked to speak to her manager and advised that I did not want to speak to no one other than a Manager. She placed me on hold, and a man by the name of XXXX who addressed himself as the supervisor of the previous supervisor. We discussed the entire situation and I advised that had the agent told me financial information is needed to determine the eligibility of payment question would been taken differently. I began to asked what their processing in these situations were he stated that he would listen to the call and speak with the agent and return my call. I told him I would appreciate that but I would like his manager to return my call. Then he stated " Instead of trying to figure out our process, you should be trying to figure out how you will come up with the money to pay the {$120.00} that you owe. '' and he disconnected the call. 

How can debt collecting agents call people and treat them as if we personally owe THAT agent money. 

They don't understand my current life situation, to call me first thing in the morning and make fun of my financial situation and be so demeaning to someone they don't know. To make people feel as though they have nothing else to live for but to pay them. Do they realize some people can be on the verge of a XXXX XXXX or even XXXX and one call like this can push that person over the edge?
Product: Credit reporting or other personal consumer reports

Bank of America is still in violation of the federal FCRA law, by not correcting information in the data they send to the credit reporting agencies. This has been going on for over 90 days and has impact costs of tens of thousands of dollars of increased rate and monthly expenses. 
This account has always been on Auto Pay and therefore has always been paid on time. For XX/XX/2024, Bank of America are reporting a late notice ( 30 or 60 day ) to the credit agencies. That is not correct. There was some internal payment processing error on Bank of America 's side - a support person informed me of that -- and so it is there fault they didn't take a monthly amount correctly with their own Auto Pay system.

Again, this account has always been on Auto Pay, and therefore has ALWAYS been paid on time. There should be no 30, or 60, or 90 day late notices. It should be marked and reported as always paid on time.