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

I have attempted to get this issue resolved with TransUnion on several occurs dating back to XX/XX/2021 with no success. I have multiple unauthorized soft inquires and hard inquiries on my TransUnion credit report that I have brought to TransUnion attend and was notified there was nothing they could do, to contact each individual creditors listed to have them request the inquiry be removed. I made every attempt to contact all creditor 's listed with a phone number and was pretty much told, if they pulled my credit it was at my request ; that they could not contact the credit bureau to have the inquiry deleted/removed and was advised to contact TransUnion directly. I understand TransUnion encountered a Inquiry Issues/Breach, which I have information TransUnion on several different occurs since XXXX, via mail and phone that I am a victim of. TransUnion has been unwilling to assist in getting this matter resolved and has basically ignored my requests. As of today, XX/XX/2021 these inquiries remain listed on my TransUnion credit report. 

I have a physical copy of my credit report dated XX/XX/2021, where these inquires indeed have been removed and no longer appear on my credit report, but the credit report obtained on XX/XX/2021 shows these same unverified, unauthorized credit inquires. I contacted TransUnion again today, XX/XX/2021 in an effort to give them one more opportunity to correct this issue. After speaking with 2 Inquiry Issue/Breach and refusing to remove these inquiries which is confusing as I clearly have evidence these inquires were not on my credit report before XX/XX/2021. There inquires appear on my credit report in XXXX, they do not appear on my credit report in XXXX but appear back on my credit report again in XXXX, which is a clear indicator that this is a normal practice of TransUnion adding inaccurate/and unauthorized inquires to an individuals credit report purpose or as a result of a mishap within their organization. 

This complaint is being submitted to get your assistance in getting this unauthorized credit inquires removed from my credit report. 

Attached you will find a list of the inquiries in question :
Product: Credit card

I opened a XXXX Citi business card in XXXX. After receiving ridiculously low credit limit which made any larger purchase impossible to put on this card that I planned for the minimum spend. After learning this, I made a plan to complete the minimum spend while I was traveling abroad as I would have more small charges that could add up. Unfortunately this wasn't possible either due to Citi taking over 2 weeks to clear a payment on the account and constant fraud alerts which block transactions. For this reason on XX/XX/XXXX, I was told that my minimum spend deadline was extended, which is still not reflected on the account either. 

Today after a previous purchase cleared my balance was {$1400.00} out of {$1500.00} with an available credit of {$26.00}, therefore I submitted a payment. The payment amount was {$1500.00} in order to allow for a larger purchase to go through once it clears in order to complete the minimum spend. After submitting the payment, my available credit was decreased from {$26.00} to XXXX. I called Citi to see why this is the case, but wasn't given any answer. However I was told that the payment will take 2 weeks to clear again and recommended to cancel the payment and pay with debit card to make it instantly available, which I agreed to. Unfortunately, this also did not happen due to the following error when attempting to cancel the payment : " Because you've already used the credit your recent payment made available, canceling that payment would cause your balance to go over your credit limit. '' This is unfounded and untrue as no transaction was made since the payment was initiated, there are and were no pending transactions on the account, no credit was made available from the recent payment and reversing the payment would not cause the balance to go over the credit limit.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable. 

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation.

2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law.

3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights. 

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX XXXX XXXX ( XXXX ) : XXXX your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2.Provide a comprehensive written explanation detailing your investigation process and results.

3.Permanently remove or block all inaccurate information associated with my identity theft.

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o. 

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

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

Multiple account that i dont know nor authorize appear on my credit. XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Inquries 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting TransUnion removal of the following inquiries. I have spoken to all companies and gained approval for the removal of these unauthorized inquiries. Please follow suite and processing the removal of the inquiries.
Product: Credit card or prepaid card

I made 2 separate {$10000.00} charges to XXXX XXXX XXXX for legal services in XX/XX/XXXX and XX/XX/XXXX of XXXX. Following over 2 months of no communication from this office, in XXXX the attorney informed me they would no longer be able to provide the promised services and my retainer would be refunded. Another month passed and my refund was still not not issued, so I filed a dispute with Chase on XX/XX/XXXX. Chase acknowledged the dispute the next day and requested additional information on XX/XX/XXXX which I promptly provided by XX/XX/XXXX. In the meantime, XXXX XXXX XXXX called and bullied to threaten that if I did not drop the dispute, I would never get my retainer back. 

I then called Chase 3 times between XX/XX/XXXX and XX/XX/XXXX for updates as I had zero communication regarding my dispute following the XX/XX/XXXX notice. I was told that the dispute would be resolved by XX/XX/XXXX. 

I called again XX/XX/XXXX as I had still not received any notice of resolution after over 110 days. I was told over the phone that my dispute was denied and that the {$20000.00} will be reapplied to my credit card balance on the XXXX. I was told by one agent that the reason my dispute was denied was because I was issued a refund by the vendor ( which isn't true ) and another agent said that the vendor was able to provide proof of services ( impossible XXXX XXXX XXXX are the ones who ended the engagement before it began b/c XXXX XXXX lacked the necessary legal skill to take the case ). 

At this point I will be forced to pay chase {$20000.00} for services I never received and they have allowed XXXX XXXX XXXX to bully and steal money.
Product: Credit reporting or other personal consumer reports

I appreciate you making an effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is in violation of 15 USC 1681b. ( a ) ( 2 ) Any Consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. I have given both verbal and written instructions concerning a credit account with XX/XX/XXXX being removed from my report. I spoke with an agent onXX/XX/XXXXregarding the removal of these fraudulent accounts and as a result of the several laws that I had listed that were and continue to be broken by Transunion, account were successfully deleted. With blatant disregard for FEDERAL LAW, an account has been added to my consumer report. This is a blatant disregard for the law since they aren't following the instructions of law according to the FCRA. Please see attachment.
Product: Mortgage

Wells Fargo is my home mortgage company. I have always paid weekly and I have always paid hundreds of dollars over the that monthly amount due. In XX/XX/XXXX, I contact XXXX XXXX to increase my weekly payments by {$150.00} per week / {$600.00} per month, stating that I wanted this to all go to principal. They agreed to do this and sent me a letter confirming it. Starting in XX/XX/XXXX, the new additional amounts were withdrawn. But when I reviewed my XXXX - XXXX - XX/XX/XXXX statements, I literally could not see where the extra money was going. In fact, it looked like I was actually paying less in XXXX then I was in XXXX. I called Wells Fargo on XX/XX/XXXX around XXXX EST. I was on the phone with them for 2 hours and 15, in which they kept insisting everything was fine and I just was not reading the statements correctly. Then I mentioned to the representative that I felt like something fraudulent was going. Suddenly everything changed. XXXX from CA ( WF # XXXX ) got on the line with accounting and had an answer back in 5 minutes : Instead of applying the extra money towards the principal each  month, Wells Fargo simply took that money and applied it towards the next months payment. When I explained to her that this was not what I signed up for and it was not explained to me this way in XXXX, she said someone from their " Executive Office '' would call me on Monday XX/XX/XXXX. I asked her to confirm that by forwarding my extra payments to the next month 's payment, I would actually end up paying more interest vs had the extra money just applied to principal, XXXX confirmed this was true. When I called WF in  XXXX to up the amount I paid weekly, I was assured that these extra payments would all go to principal. I believe that WF has been fraudulent. 

On XX/XX/XXXX I submitted a complaint the CFPB - # XXXX. Wells Fargo responded beyond the 15 days time period stating that they could not " respond '' because of an unauthorized third party. Wells Fargo also sent me a letter on XX/XX/XXXX from XXXX XXXX XXXX, Executive Resolution Specialists, Customer Care and Recovery Group, XXXX, ext XXXX. XXXX XXXX did attempt to call me. I returned his call after I received the paperwork and requested we set up a call to discuss. He never returned that call. The letter and supporting documents that Wells Fargo sent does not resolve this issue. They state false and incorrect information in the response letter and do not address the questions and requested resolutions from the original complaint. So here we go again with round 2, wasting everyone 's time.
Product: Student loan

I have tried contacting Navient on XXXX occasions, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX in order to discuss my loan repayment options and make a well-informed decision for my repayment plan. 

On XX/XX/XXXX, the woman I spoke with informed me that my first payment was due on XX/XX/XXXX and that I could not pick a repayment plan until XX/XX/XXXX. She instructed me to call back at the beginning of the year XX/XX/XXXX to discuss my options. I, mistakenly, did not obtain the Navient employee 's name or identification number ; however, this call occurred at XXXX and lasted for XXXX minutes. 

On XX/XX/XXXX, at XXXX, I had an eight-minute phone call with Navient employee XXXX ( ID # XXXX ). I called to discuss my repayment options, as recommended during my initial call. During this XX/XX/XXXX phone call, I was told that my payments would be {$500.00} per month and that my first payment was not due until XX/XX/XXXX. I inquired about options to lower these payments, as that is a substantial amount of my income. XXXX informed me that I could not discuss repayment options at that time and should call back in XX/XX/XXXX. He stated it was possible to do " interest only '' payments for " up to XXXX months, '' but that I could not initiate this option, or learn of other options, until XX/XX/XXXX. 

On XX/XX/XXXX, at XXXX, I had a seven-minute phone call with Navient employee XXXX ( ID # XXXX ). I called to discuss my repayment options, as recommended during my second call. During this XX/XX/XXXX call, I was told that my repayments are " estimated '' at {$510.00} per month and that my first payment was due XXXX XXXX, XXXX. I inquired about my options to lower my payments and was told that the " system wo n't allow '' XXXX to see my repayment options and that I should call back between XX/XX/XXXX and XX/XX/XXXX to discuss repayment options. I expressed my concern that if I call at that point, I will be told further vague information or told that my payments are due and I should have called sooner. I asked what I should do if I am told that there are no options, to which she replied I would be referred to another department to discuss options ; again, a vague response. 

I am, appropriately so, concerned about the status of my loan repayments. I have tried calling on XXXX occasions and have been told different 'facts ' and 'instructions, ' but ultimately, have not been helped. I am trying to be proactive and have gotten nowhere. 

There is also contradictory information on my online account. For example, on XX/XX/XXXX, my account page stated that I was in a grace period for the next XXXX days and that my first payment was due on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017 US Department of Education I have called and wrote this company in reference to the above inquiry in which I did not submit for them to verify the inquiry, but nothing has been done in reference to reporting accurate information to the credit bureau. I am a victim of identity theft and I am requesting that this inquiry be deleted as soon as possible.
Product: Debt collection

On several occasions I have contacted Bull City financial Solutions : XXXX XXXX XXXX XXXX # XXXX, XXXX, NC XXXX about a {$330.00} debt on my account for a account at XXXX XXXX. I have submitted letters stating this debt is not mine at no time did I authorize services in my name nor have I had them. I sent proper documents stating this that they have requested and they have refused to respond nor remove this item from my credit report. It has been more then enough time for this item to be removed.This debt does not belong to me and I have provided more then enough information to show this. I do not know what else I can do to get this removed they refuse to do so.
Product: Checking or savings account

I am appalled that BofA and XXXX are cancelling their long standing relationships with firearms businesses. 

These cancellations have nothing to do with illegal activity or financial soundness, but rather results from virtue signaling on the part of the banks. 

PLEASE do something to stop this social engineering on the part of the banks and ensure equal access to banks for all legal, constitutionally protected, firms.
Product: Checking or savings account

I filed a dispute with Chime on XX/XX/XXXX for an ATM dispute of {$120.00}. My dispute was approved and Chime provided {$120.00} back into my account. I received an email from the investigations department on XX/XX/XXXX stating my dispute was approved and closed. Then on XX/XX/XXXX, Chime withdrew {$120.00} from my account causing me to go into a negative balance. When I called to question why this happened, numerous representatives and supervisors stated that they can not tell me why. Chime representatives also stated I will not be able to dispute this charge from XX/XX/XXXX because it was done by Chime. This does not sound right. A financial institution should not be able to withdraw funds from someones account without any explanation.
Product: Checking or savings account

On XX/XX/XXXX, I made a purchase online to XXXX XXXX using my husband 's debit card. Within 5 minutes, I cancelled the transaction with XXXX XXXX. I received an email from XXXX XXXX advising the order was cancelled. I called Key Bank same day and was advised the hold for {$690.00} would be released on XX/XX/XXXX. This did not happen. I called Key Bank on XX/XX/XXXX and was advised the hold would be released on XXXX. This did not happen. I called Key Bank on XXXX and was told the hold would be released on XXXX. In addition, I was advised that I should go ahead and file a dispute if the hold was not released on XXXX. I went ahead and filed the dispute. The hold was not released on XXXX. I called Key Bank back again on XXXX. I spoke to a Supervisor XXXX, Employee # XXXX. She told me nothing could happen because it was a Sunday and to call back on Monday to the same customer service number. Then, I could be transferred to the dispute department to have the hold released. I called Key Bank on Monday XXXX XXXX. I spoke to a representative who told me the fastest way to get this hold released was to do a 3-way call with XXXX XXXX, Key Bank and myself. So I did a 3-way call. I spoke to a Supervisor XXXX and after over 1 hour, XXXX XXXX had provided all of the authorization information proving the transaction was cancelled on there end. I was told by Supervisor XXXX that he personally went in and released the hold. I looked at my account later on XXXX to notice the hold was not released. I called Key Bank again and spoke to Supervisor XXXX again. She told me there is nothing else she can do. I may have to wait up to 10 business days for this to be released. This is not acceptable. I demanded she contact the dispute department, as she had advised me on Sunday, to have the hold released. XXXX came back on the line to advise the hold will be released today XXXX or tomorrow XXXX. This is not acceptable. Key Bank has held on to my money for 5 days now. I then contact the Key Bank Consumer Relations Department and spoke to XXXX. She took my complaint and advised someone would contact me in 24-48 hours. So, now at XXXX EST on Monday, XX/XX/XXXX, I STILL do not have my {$690.00} put back in my account.
Product: Checking or savings account

I HAVE A COMPLAINT PENDING UNDER CASE NUMBER XXXX. I AM REQUESTING THAT YOU ATTACH THE UPLOADED DOCUMENTS THAT SUPPORT MY CLAIM THAT THE CHECK SUBMITTED INTO MY ACCOUNT BY XXXX WAS NOT FRAUDLENT AS CAPITAL ONE HAS STATED. I AM REQUESTING THAT MY ACCOUNT BE REOPEN ASAP AND MY FUNDS RELEASED
Product: Debt collection

My apartment was robbed and I did not feel safe staying in that environment anymore. I filed a police report and we agreed to settle to a specific price to get out of my lease as they threatened it would damage my credit. After the fact they still charged me for things that werent true as they were mad they couldnt find someone to replace me and did not follow through with the discussed price to break the lease which I paid in full. They are very untruthful and didnt even care I was robbed.
Product: Credit reporting or other personal consumer reports

In XXXX, I discovered that an unauthorized individual had stolen my personal information and used it to open a fraudulent account at XXXX XXXX. I immediately contacted the bank to report the identity theft and request that the fraudulent account be blocked and investigated. However, as of today 's date, XX/XX/2023, XXXX XXXX  has failed to take the necessary actions to address this serious matter. 

I have provided all required documentation to the bank, including a copy of my identity theft report, a government-issued ID, and additional personal information to verify my identity and confirm the fraudulent nature of the account. Despite this, the bank has not responded in a timely or adequate manner.Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute fraudulent accounts and request their removal from my credit report. Furthermore, financial institutions are required to have robust policies in place to prevent and address identity theft under the Bank Secrecy Act. The failure of XXXX XXXX  to act promptly and appropriately in this situation may constitute a violation of these federal regulations. Additionally, as the credit bureau is currently reporting this fraudulent account, they too are obligated under the FCRA to correct any inaccuracies in my credit report once notified. 

Request for CFPB Intervention : I urgently request the Consumer Financial Protection Bureau to intervene on my behalf and ensure that XXXX XXXX and Credit Bureau take immediate and appropriate actions to : Block and close the fraudulent account opened at XXXX XXXX  in my name. 
Conduct a comprehensive investigation into the matter to prevent further fraudulent activity. 
Remove any negative information related to this fraudulent account from my credit report with Credit Bureau. 
Provide written confirmation of all actions taken to resolve this matter. 
I have attached copies of all correspondence with XXXX XXXX  and Credit Bureau, as well as the documentation provided to verify my identity and report the identity theft. 

I trust that the Consumer Financial Protection Bureau will act swiftly to help resolve this issue and protect my financial well-being and credit history. Thank you for your immediate attention to this critical matter.