23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I contacted the one eight hundred number on bank account statement, at first I was told there no account in there bank then I was told that my account when, t dormant to the state of California, so I said to person on other end of phone that you can tell me my account went dormant to the state, so I tell him that he has to be looking at my account to be able to tell me it went dormant to the state.i giving a phone number to call on XXXX XXXX bank BBVA Compass bank talked to a lady Manger and she would look in to it and call me the next day, I never received a call back, I called California State Controller unclaimed property Division, Thay took my information to look through records for dormant account of BBVA Compass Bank there's nothing there, then I was asked about this account number and bank as I explained what the bank said I was told the ways it works, that if my account went dormant to the state that Thay would have sent a letter with the funds with my name on it legal.So I tried contacting Bank and told them that there is no money there and then, So finely thay came up with my account and ask my Mather 's maiden name as he opened the information and told me the account is XXXX and it when, t dormant in side of the bank and I need to go into a BBVA compass branch closes to me and to take my ID and my account would be reactivated with my money in it from XXXX to XXXX as of Friday XX/XX/XXXX at XXXX XXXX I walked in to BBVA compass branch on XXXX XXXX in XXXX CA hand them my I D at the teller 's window and thay didn't even know what I was talking about, so I gave her my account number and I was told that there is no account here, so I spoke to a manager and gave him the information I was given over the phone of BBVA compass customer services, with the name of the person I spoke with and his ext, number as he called an for one hour I sit there and then he ask to make a copy of my account statement and Driver license and SSN number, i have not received a call back, in XXXX XXXX I had close to {$10000.00} thousand in that account.and all entries from should be added to also I was in XXXX XXXX until XXXX.I explained to the bank of my were about, s
Product: Credit reporting or other personal consumer reports

I am filing this complaint against TransUnion for failing to respond to my dispute and not conducting a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/XXXX, I mailed a dispute letter to TransUnion via XXXX certified mail ( tracking number : XXXX XXXX XXXX XXXX XXXX XXXX ), disputing the inaccurate and incomplete reporting of : Bankruptcy Reference Number : XXXX ( Filing Date : XX/XX/XXXX ) Other negative accounts were reported on my credit report. 
To verify my identity and ensure compliance with TransUnions requirements, I included the following documents : A copy of my government-issued ID A copy of my Social Security card A recent bill showing my current address The XXXX ( Reference Number : XXXX ) is unverifiable. I contacted XXXX, which maintains bankruptcy records, and they confirmed no record of this Bankruptcy on my consumer report ( Consumer Report Number : XXXX, Case Number : XXXX, dated XX/XX/XXXX ). 
Despite providing all necessary documentation and a detailed dispute, TransUnion has failed to : Provide a timely response to my dispute. And Conduct a reasonable investigation into the accuracy and completeness of the disputed information. 
This lack of action violates the FCRA, which requires credit bureaus to investigate consumer disputes and ensure the information on their reports is accurate and complete.
Product: Bank account or service

I recently attempted to make a purchase via the online delivery service, XXXX. The total for my purchases was {$64.00}. The company, XXXX, charged my visa debit card ( Bank of America ) {$70.00}, in case of replacement items that cost more than the original {$64.00} I agreed to pay. I was at the grocery store and the cashier told me my card was declined, although I had over {$1500.00} in my account. Mind you, this is the only card I have. I called the bank and they told me they had cancelled my card because of fraudulent charges. The charges were not fraudulent yet I am having to deal with having no access to my money in the bank because he bank made a decision to cancel my card. Erroneously. How do I stop this from happening in the future? Should here not be regulation over banks controlling a consumers money, when the consumer has not contacted said bank with any accounts of wrongdoing?
Product: Credit reporting or other personal consumer reports

XXXX, XXXX AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX : XX/XX/XXXX -- -> XXXX -- -> : {$1700.00} XXXX XXXX : XX/XX/XXXX -- -> XXXX -- -> : {$1700.00} XXXX XXXX XXXX : XX/XX/XXXX -- -> XXXX -- -> {$6300.00} TXXXX XXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX -- -> XXXX -- -> : {$6300.00}
Product: Checking or savings account

They are closing my account business and personal for no reason they dont tell me why they close it. I want to know why they block my bank.
Product: Debt collection

1. XXXX failed to properly validate the alleged debt. 
2. The address on the itemized bill is incorrect. 
3. I never received written notice about this account it just appeared on my credit report. 
XXXX. After XXXX received the last letter on XX/XX/2018, they failed to respond with a response within the allowed 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I received notice from XXXX XXXX that TransUnion dropped my score XXXX points. Upon investigation as to why, TransUnion reported that XXXX XXXX reported to them an increase to my credit use by XXXX. This concerned me because my due date is the XXXX of the month and my bill dated is the XXXX of the month and the transaction for XXXX was just posted to my XXXX account on XX/XX/2022. This was not billed yet, so how did Transunion know about the XXXX transaction. 

I called XXXX and learned Transunion told them I disputed the balance on my account XX/XX/2022 and therefore they generated an off-cycle report to Transunion and added a note to my credit report a dispute was filed on my account by me. 

I did not file a dispute on this account. I would have never filed a dispute because there is not a single late payment on the account, not ever. A dispute would be pointless. 

Obviously, this is a retaliatory transaction by Transunion to further drop my credit score. 

I have reported this LIE to XXXX and they have instructed me on what to do to remove this LIE from my Credit Report. I will follow their directives. 

However, this does not excuse the blatant LIE Transunion used to gather information fraudulently they were not entitled to get from my account until I was afforded the opportunity to pay off the balance on my account before the scheduled bill date. This time period is given to all consumers and should not have been added to my credit report until XX/XX/2022 if the balance was not paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I received notification of a hard credit inquiry on my XXXX credit report. Per the credit report, the hard inquiry was made by : US Bank XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX I did not authorize this inquiry and want it removed from my credit report. 

Thanks.
Product: Debt collection

CRA VIOLATION / NO KNOWLEDGE OF THE FRAUDULENT ACCOUNT DUE TO ID THEFT APPEARED ON MY EQUFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX
Product: Bank account or service

I received an offer to apply for a Citibank CitiGold Checking Account, with a sign-up bonus offer of XXXX XXXX XXXX miles after completion of the terms ( a direct deposit, 2 monthly bill payments, etc ). I completed the terms of the offer. I sent a message asking to confirm completion of terms and when to expect the miles. I was assured that I completed the offer and I would receive the miles on XXXX/XXXX/06. On XXXX I sent a message to make sure the miles would post as promised, only to receive a reply that I was not eligible for the offer and therefore would not receive the bonus points. I am not satisfied with this. I have evidence of the terms of the offer I signed up for, a message from Citi acknowledging that i was 1 ) eligible 2 ) have completed the terms and 3 ) should expect to receive the bonus. I would appreciate your assistance with this matter!
Product: Credit reporting

This is not the first time I have filed this complaint with you concerning this matter. Information From XXXX that should have been removed off my credit report since XXXX XXXX. I missed XXXX loan payments XXXX XXXX thru XXXX XXXX my loan was modified XXXX XXXX have never missed a payment since modification. XXXX sold/transferred my loan 4 years later XXXX XXXX to XXXX my current lender. Experian was contact by me several times. Their answer was that when my loan was sold/transferred to XXXX on XXXX XXXX. I must count 7 years from the sold/transfer date and not the date the account first became delinquent which was XXXX XXXX they will remove late payment off my credit report XXXX. This means I would be carring this negative information for 11 years. I have search high and low and can not find anywhere that this is the law concerning sold/tranferred loans. If my loan is sold/transferred tomorrow does this mean I start over again the seven years? I would like for this to be removed it is over due. A new credit report to show removal.
Product: Debt collection

EQUIFAX has been uncooperative with me in regards to removing fraudulent items from my credit report and making the proper updates. I have not been able to get an apartment or extend credit due to these fraudulent items. 15 USC 1681b- permissible purposes states that no credit reporting agency may furnish anything on my credit report without my written consent. My written consent was not given.
Product: Credit reporting or other personal consumer reports

Hello, I sent dispute letter along with all the relevant details and documents to Transunion by certified mail on XX/XX/XXXX and was delivered by USPS on XX/XX/XXXX at XXXXXXXX XXXX  Address was XXXX XXXX XXXX XXXX  PA XXXX. It has been more than 30 days but I didn't received any response from Transunion. Upon contacting, Transunion customer service told me that they didn't receive any documents on my account. However, USPS clearly showing it is delivered and on the postmark receipt, address is accurate. They are asking me to open new dispute and didn't helping me further to trace this confidential documents sent via certified mail to them.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX  XXXX XXXX, NY XXXX XXXX XXXX XXXX  XXXX, NY XXXX XXXX XXXX  XXXX, NY XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX  XXXX XXXX  XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX  XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, these following accounts have violated my rights : XXXX XXXX XXXX ( # XXXX ) XXXX XXXX ( # XXXX ) XXXX XXXX XXXX XXXX ( # XXXX ) XXXX XXXX XXXX XXXX ) XXXX ( # XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX ( # XXXX ) XXXX XXXX XXXX ( # XXXX ) XXXX XXXX ( # XXXX ) 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$38000.00} XXXX XXXX XXXXXXXX Balance : {$5900.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$2100.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$3900.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, Monday, XX/XX/XXXX, I received just minutes ago, and now is XXXX XXXX XXXX, an electronic mail through XXXX XXXX XXXX, saying your credit score refreshed, from XXXX XXXX, a free credit reporting service, image included. 

PLEASE SEE AND REVIEW THE ORIGINAL DOCUMENT COPY FROM XXXX XXXX : INCLUDED : IT SAYS IN XXXX MARKED WITH AN X " XXXX XXXX '' IN XXXX, IS TRANSLATED AS " WITHOUT CONTACT '', THE DOCUMENT DATE AND ORIGINAL PRE PAID MONTH AND INSTALLATION, WHICH WAS A RE CONNECTION BECAUSE MY FATHER XXXX. WAS A CLIENT SINCE IT WAS CALLED XXXX XXXX XXXX AROUND THE YEAR XXXX WITH THE ORIGINAL NUMBER WHICH WAS LOST AND NOW THERE IS A NEW NUMBER. THE DOCUMENT SHOWS IN HAND WRITING MY NAME, ADDRESS, THE DATE XXXX XXXX XXXX, XXXX XXXX XXXX, SOCIAL SECURITY NUMBER, DRIVERS LICENSE NUMBER AND MORE. 

THE OTHER IS THE ORIGINAL PAYMENT RECEIPT PAID AT THEIR XXXX XXXX XXXXXXXX XXXX XXXX STORE, SHOWING PAYMENT RECEIVED WAS {$160.00}, WHERE I ACCEPTED THIS WAS A PRE PAID WITHOUT CONTRACT SERVICE. 

To my surprise, the local XXXX XXXX Telephone Company, owned by XXXX since years ago, reported as derogatory my telephone account with Internet with them BUT IS IMPOSSIBLE BECAUSE THIS ACCOUNT WAS OPENED AS PRE PAID SERVICE, WHERE I HAD TO PAY IN ADVANCE FOR THE USE OF THE HOME INTERNET AND PHONE WHICH WAS NOT USED, IT WAS JUST OPENED FOR THE INTERNET SERVICE ONLY. IT IS SIMPLY NOT REQUIRED TO KEEP PAYING THIS ACCOUNT, BECAUSE WAS OPENED AS PRE PAID : THE ONLY UNREASONABLE EXPLANATION IS THAT XXXX CHANGED THE TERMS WITHOUT INFORMING IT TO MYSELF, BY ANY MEANS, AND JUST MINUTES AGO I SPOKE WITH A XXXX REPRESENTATIVE OVER THEIR CUSTOMER SERVICE PHONE NUMBER, WHICH IS XXXX XXXX XXXX, at XXXXXXXX XXXX AND HE SAID I HAD TO CANCEL THE ACCOUNT, WHICH WAS NOT PART OF THE ORIGINAL AGREEMENT. A PRE PAID INTERNET AND PHONE SERVICE DOES NOT REQUIRE ANY CANCELLATION ON MY PART, BECAUSE WE HAVE TO PAY IN ADVANCE THE MONTH WE ARE GOING TO USE, THERE IS NO NEED TO PAY OR CANCEL ANYTHING, IF WE DO NOT PAY IT SIMPLY MEANS WE DO NOT WANT THE SERVICE ANYMORE AND THAT IS IT. 
THIS GENTLEMAN WHO TOOK MY PHONE CALL SIMPLY INFORMED THE TERMS WERE CHANGED BY SAYING I HAD TO CANCEL THE ACCOUNT : THERE WAS NO REQUIREMENT OF CANCELLATION, IT WAS PRE PAID. NOW, THEY REPORTED THE ACCOUNT AS DEROGATIVE AND UNDER COLLECTIONS FOR A {$170.00} DOLLARS I DO NOT OWE BECAUSE THE SERVICE SIMPLY STOPS AND DOES NOT CONTINUE NEXT MONTH IF WE DO NOT PAY, THEY CHANGED THE ACCOUNT TERMS, EVEN THE INVOICES INCLUDED DOES NOT SAY IN XXXX IS PRE PAID. NO NEED TO PAY EACH MONTH, ONLY NEEDED IF WE WANTED TO KEEP THE SERVICE, THE PAYMENT HISTORY DOES NOT EXIST IN THE CREDIT REPORT, THE AGE OF THE ACCOUNT IS XXXX? IT WAS PRE PAID FOR XXXX SAKE!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Vehicle loan or lease

I went to XXXXXXXX XXXX XXXX  on XX/XX/year> to purchase a car XXXX  XXXX. I met with XXXX XXXX associate XXXX and we sat down and talked about the car I wanted. After that I Made a presentment and showed him My written affidavit for Credit application settlement through Transfer of endorsed certificate, and he had said he has never received anything like it and they had their own credit application. I told him I would like to get a car through acquisition and a XXXX he said he would need bank statements to show credentials of the funds I have. I proceeded to state that the money would come out of my social security XXXX  account and that I was performing my obligation to pay and I applied for the credit application and am exercising my rights of good faith. He stated that this was only going to go XXXX way and that was through the bank which I would get a loan from and they would run my credit to see which bank would approve me for a loan. He also told me I was considering putting a down payment and I had told him no this was a consumer credit transaction. After that We did my credit application and he told me that XXXX Banks accepted my application out of the many he ran my credit with, and that I would have to put at least XXXX $ to get the car off the lot. I told him I'm not putting a down payment. He insisted I ask someone to trade their car in, I blatantly told him no and he said if there's anything else I need Feel free to call him. I told him he will hear from me within a week.
Product: Mortgage

My mortgage is currently thru XXXX Mortgage XXXX and they were assisting me with a re-fi at a lower interest rate ; however, they determined during the re-fi process that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was listed as lienholder for my double -wide manufactured home. XXXX XXXX XXXX is a bank that failed many years back and at that time, Bank of America ( BOA ) was assigned my mortgage and BOA never reassigned and listed themselves as lienholder. Several years later, BOA transferred my mortgage to XXXX Mortgage XXXX and there again, BOA failed to release themselves as lienholder and assign XXXX Mortgage XXXX as the NEW lienholder. Since XXXX XXXX is no longer in business, I have been dealing with BOA since the beginning of XXXX and to date, no one with BOA has moved forward in helping release this lien so that I can move forward with my re-fi. XXXX XXXX XXXX and BOA have both failed to do what they should have done many years ago each time the loan was sold/transferred. In dealing with BOA, I have spoken with several different employees -- no one wanted to help until I finally reached XXXX XXXX. However, as of yesterday, XXXX told me that her and her supervisor were training to leave their current dept and go to another dept within BOA leaving me there again on a dead end road with no resolution in sight. XXXX would not refer me to anyone else except her supervisor which is the leaving the dept. herself. I was told by XXXX today that Mortgage Electronic Registered Services ( MERS ) is listed on the Title commitment along with XXXX XXXX that I can contact them at XXXX and when I did, it did indeed show the new service provider as XXXX Mortgage XXXX of my mortgage. However, BOA could not understand the fact that my XXXX titles ( double-wide home ) at the Alabama Department XXXX XXXX in XXXX, Alabama is still showing XXXX XXXX as lienholder and as long as XXXX XXXX is listed as lienholder, I WILL NEVER BE ABLE TO REFINANCE OR EVEN SELL MY HOME IN THE NEAR FUTURE. I have hit obstacles with BOA from day XXXX with no one ever accomplishing anything because they feel like they are not obligated to release the lien to XXXX. XXXX is no longer in business. Therefore, BOA should be the XXXX to release the lien to XXXX Mortgage XXXX since they assumed the mortgage of XXXX, the failed bank. If I wanted to sell today, it would be impossible -- thank goodness at this time, I am just trying to refinance. Therefore, I would greatly appreciate a quick resolution to this situation since I have received no assistance or help from BOA in remedying this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Experian, XXXX, and XXXX has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you.
Product: Credit card or prepaid card

The card issuer closed my open end credit plan and marked my payments as late.
Product: Student loan

On XX/XX/2018 XXXX XXXX XXXX started calling me and my family members. I answered his call today and they informed me my navient loans had gone to a collection agency. Apparently navient sold my loans to a company named XXXX and did not tell me nor did the company XXXX. So without any notice we did not know we had payments to XXXX because the navient website says XXXX balance. We received nothing in the mail or email and the harassment from the XXXX XXXX XXXX began. We would like to join the class action lawsuit against navient for illegal practices and damage to our credit, or they face consequences for their actions. The total of the loans are approximately {$400000.00}. We finally have setup a payment plan with XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX XXXX. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within XXXX XXXX, they should be promptly removed from my credit report. Since it has been over XXXX XXXX, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Product: Credit reporting or other personal consumer reports

Transunion has allowed ( XXXX XXXX XXXX  ) to put an fraudulent account on my credit report, This error is illegal and unethical. Transunion failed to an investigation The creditor failed to perform a investigation. This account is damaging to me and should be removed immediately.