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

Here is the problem, I have attempted to have this bankruptcy removed from Transunion several times. I have sent the proper documentation several times by mail ( Here is the tracking information XXXX, XXXX both are have been received and signed for. ) This documentation includes proof the the Bankruptcy has been removed my the XXXX file. I was told yesterday that they have not received this documentation. I asked the supervisor where are my files ; I was told they don't know. 

I was also told that they would NOT complete investigation of this Chapter XXXX because of the retention timeframe. I explained the the rep ( several reps ) that my case is totally different than any other case. I was also told to get an " Bankruptcy Expungement '' form, I called the courthouse ( on my other line ) while I was on the phone and asked about this form. The courthouse has NEVER heard of this form unless there was fraud or a criminal expungement. Then the senior supervisor proceeded to yell at me and I quickly reminded her that I was the consumer and I will not tolerate any other treatment from Transunion other than respect. I have also mentioned that all of the other credit bureaus have removed this Chapter XXXX from my file. So I have attached that proof to the this complaint. But I would like to know where my 80+ pages were that I sent twice are. This information is confidential and had extremely sensitive information on it. How unprofessional is this company?
Product: Debt collection

I sent a letter to the XXXX XXXX requesting that they validate NOT verify a debt that they are attempting to collect from me, XX/XX/2017. I specifically asked for a signed agreement and other supporting documentation. They instead provided me with billing statements from a computer screen ; which does NOT prove that I am obligated to pay them anything. The document is dated XX/XX/2017. 

They have continued to report delinquent information to the credit bureaus that I am asking to be deleted which is poorly reflecting me inappropriately.
Product: Mortgage

XX/XX/XXXX BSI Financial took out a home insurance policy on my house even though I already had insurance. This made my escrow account " low '' so they increased my monthly payment. I got that straightened out and money refunded, I asked for my payment to be reduced to what it was before the issue and was denied. XX/XX/XXXX I noticed that they started showing an insurance premium again, I asked that it be removed as I already had insurance and again provided proof. XX/XX/XXXX received notice that my monthly payment was to increase again due to insurance in my escrow. I called and asked that they delete that and refund the additional fees they collected in my escrow. XX/XX/XXXX BSI made the payment and still claims that my escrow account is short. I made my XX/XX/XXXX payment per my original payment amount and asked that they note why the payment is less than what BSI feels is the appropriate payment and asked for my escrow account be canceled all together. XX/XX/XXXX received notice that I could not cancel due to late payment, from XX/XX/XXXX. I now have delinquent penalty on my credit. They do not call you back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the credit card company XX/XX/2020 to ask them to waive a service fee they started charging me after they promising that I wouldn't be charge for it anymore, the amount was about {$8.00}. At the same time I asked for the account to be closed. The agent promised me that the account was going to be closed. To my surprise, the account was not closed and they charged me service fees for the month of XXXX and XX/XX/2020 again and a late fee in the amount of {$29.00} in XX/XX/2020. Once, I found out about it I called them back to have this fees once again waived. They waived the fees again. The total amount was about {$58.00}. At that time I asked for the account to be closed again. They gave me a hard time. Before, this drama I had previously tried to close the account but they agent insisted to leave it open for emergencies and all service fees will be waived. Obviously, this did not occurred. All of these conversations should be recorded. They need to review the call logs to see that they were the ones making errors on the way the train their agents. They reported me 30 days late to all CRAs for the month of XXXX and XX/XX/2020. Last digits of this card are XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  ). Its been over 45 days and Equifax havent respond to my request as they are required to by the XXXX XXXX XXXX XXXX.
Product: Bank account or service

I disputed an item due to cancelling and never receiving merchandise, Wells fargo took the word of the merchant that I did n't cancel so they reversed the credit. I felt this was unfair having being charged XXXX for something that I never received and was told would be cancelled and no further shipments. Wells Fargo wont reopen its investigation and says I did n't cancel, why would I lie? this is a large bank just bullying the little guy
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts 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/block any accounts 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 accounts which do not belong to me or were opened without my permission. 

" XXXX XXXX Balance : {$620.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX CREDIT XXXX Balance : {$110.00}, XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$570.00} " 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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing again in response to a notification on my credit report. The files reported are inaccurate and erroneous and its leading to a negative impact on my credit file. I am including proof with this letter and the following accounts on the credit report are incorrect. 
XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$7700.00} XXXX XXXX XXX Date opened XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXX Date opened XX/XX/XXXX Balance XXXX
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed multiple disputes with Experian about Identity Theft that has appeared on my credit report. In addition, I filed with the FTC and filed a police report with the local XXXX XXXX Police Department. My dispute was initially filed in XXXX as well as the police report. Experian then extended the length of my dispute on XX/XX/XXXX which is reflected in my dispute claim. Experian then looked into my dispute and they removed one of the disputed claims from my credit, which was the smaller amount of {$320.00}. Experian decided that the significantly larger claim against my credit, totaling {$2600.00}, was legitimate and they did not remove that claim from my report. The reason I am filing this complaint is that both of the accounts originated from the same address in XXXX, GA. I have never lived in XXXX and have only been there for work twice, and twice for personal reasons. In addition, both of the claims on my credit are from XXXX and originated in XXXX of XXXX. Not only that but I have lived in North Carolina since XX/XX/XXXX, and I have significant paperwork proving that. The reason that this is significant is that XXXX does not offer its services in North Carolina. The nearest XXXX  store is approximately XXXX miles away in XXXX, VA. This is not a new experience for me as I have been a victim of Identity Theft in XX/XX/XXXX, and I was proven correct in that case.
Product: Credit reporting or other personal consumer reports

Chexsystems is reporting inaccurate information on my chexsytem file. They are reporting an account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this was sent in error. Also, chexsystem is reporting a fraudulent account from XXXX XXXX  that does not belong to me. I want both account removed from my chexsytem file immediately or I will get an attorney involved
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, AWA COLLECTIONS added a derogatory mark on my credit report per XXXX. upon further research, this account was transferred/sold and charged off and i am no longer responsible for the account. debtor creditor did not verify this account. also there was no written form of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the FCRA AWA COLLECTIONS has violated my rights as a consumer and i'm requesting legal action to remove this account immediately
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I filed the correct paperwork per the FCRA. I have disputed these accounts. Nothing has been done and the paperwork I filed and sent in to the credit agencies have not been attached to the disputes. I also have not been given copies of the verification process. 

These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of fraudulent information from my credit report under 15 U.S.C. 1681c-2, commonly known as Section 605B of the Fair Credit Reporting Act ( FCRA ). As a victim of identity theft, I am exercising my right to have fraudulent information blocked from my credit report within four ( 4 ) business days, as required by this provision of the FCRA.

The following entries on my credit report are fraudulent and must be removed : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reason for Dispute : Identity theft, account not authorized. 



Account Name : XXXX XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Reason for Dispute : Identity theft, account not authorized. 



Account name : XXXX XXXX XXXXXXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX Reason for Dispute : Identity theft, account not authorized. 



Account name : XXXX XXXXXXXX XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX Reason for Dispute : Identity theft, account not authorized. 



Account name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Reason for Dispute : Identity theft, account not authorized. 



XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Reason for Dispute : Identity theft, account not authorized. 



XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Reason for Dispute : Identity theft, account not authorized. 



XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Reason for Dispute : Identity theft, account not authorized.
Product: Mortgage

This is a credit card / 2nd mortgage the previous server XXXX. The Superior Court XXXX XXXX XXXX XXXX Dismissed the case. This loan was apart of the global wide settlement with the Department of Justices. 
Its Ben 12 years since any activity on this debt. I dispute this debt. The loan was allegedly placed in a trust which as taken its losses. XXXX attempted to foreclose and the foreclosure was stopped about 9 years ago. 
I received a new Notice of Default from the new Server Specialized Loan Servicing and I am disputing this debt again. This was a XXXX and with definitely was apart of U.S.Global wide settlement.
Product: Debt collection

I put in a lawsuit against the XXXX XXXX  for defamation of character and reporting false information about me. Another thing I want to mention is that XXXX and XXXX is reporting that I owe XXXX XXXX and XXXX is not reporting anything about XXXX XXXX I never conducted business with XXXX XXXX on XX/XX/year>. I never agreed to settle a payment. 

XXXX XXXX  is breaking credit laws and if this account not remove the lawsuit will continue
Product: Credit reporting or other personal consumer reports

I Looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not complete and accurate. And one more thing according to 15 USC 1681s-2 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. 

I WANT THE CFPB TO PUBLISH THIS DESCRIPTION ON CONSUMERFINANCE.GOV SO THAT OTHERS CAN LEARN FROM MY EXPERIENCE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my numerous endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance Owed : {$980.00} XXXX XXXX Balance Owed : {$6200.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX Balance Owed : {$3700.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Prepaid card

My account/card was used while I was on XXXX for the XXXX XXXX XXXX XXXX They used {$16000.00} within the span of a month. I reported this immediately to the company when I returned only for them to deny my dispute multiple times due to the amount. I sent supporting documentation as well as identity documents to verify that I was not at fault. Multiple agents who filed my claims even said verbatim " You should have your money back very soon these documents are the ones that will show the fraud team you did not do this ''. This card was loaded with my XXXX  benefits I fought hard for from being in California. My family and I have been homeless living under the authority of others because we can not afford anything without this money.
Product: Money transfer, virtual currency, or money service

My account was limited in XXXX and I was told that my account funds will be eligible for release on XX/XX/year>. Now my account funds are being held another 120 days after getting another email saying " You can no longer use PayPal '' XXXX. 

I spoke to someone from the Executive Office in XXXX and they said the money will be released on XX/XX/year>. Now, it is another 120 days without any chargebacks/disputes.
Product: Credit reporting or other personal consumer reports

Incorrect item reported on my credit report by Citibank
Product: Mortgage

Caliber Home Loans has serviced my home mortgage since 2007 when XXXX XXXX extended a {$160000.00} loan at 7.62500 % interest while a {$81000.00} lien was on the property. Monthly mortgage payments are {$1500.00} with {$920.00} toward interest, {$200.00} toward principal. This agreement was made when my credit score was XXXX ; it has now increased to XXXX and I seek a better interest rate. 
The XXXX XXXX agreement ( XXXX ) was executed in 2007 with a {$81000.00} lien on record from XXXX XXXX XXXX ( XXXX ). Today XXXX is no longer in business and no one can remove the lien. I 'm not being billed for the {$81000.00} but the recorded lien wo n't go away. 
Caliber Home Loans has offered a {$150000.00} loan at 3.99 % over 30 years with the {$81000.00} lien still on the property, I requested a 20 year quote ( for 10 years of payments made ) and the process has stalled - XXXX XXXX ( XXXX # XXXX ) said the {$20000.00} loss on tax return XXXX unit property was problematic, he requested my wife 's financial information although she is not listed on the property or the loan, it was sent XXXX XXXX. My retirement income, 4 year history as XXXX, wife 's employment income and investment portfolio clearly supports liquidity, profitability, and solvency i.e. on ongoing good credit risk esp. at a reduced interest rate. The balance of the current mortgage is {$140000.00}, the {$8000.00} difference is Caliber 's refinance costs yet the transaction is entirely internal. 
XXXX XXXX ( XXXX # XXXX ) stated the computer system was down XXXX XXXX and he 'd call back once online, he never did. My calls have been unanswered. 
This process has taken too long with questionable actions. I want Caliber Home Loans to remove the {$81000.00} lien and I want a 20 year mortgage refinance rate ( less than 4 % ) reflective of my XXXX credit score and history of timely payments to Caliber Home Loans.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and fraudulent accounts and inquiries have been added to my credit report. As such, I am requesting that all fraudulent accounts and inquiries listed below be blocked and deleted from my credit report in compliance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XX/XX/XXXX {$8900.00} XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX {$140.00} XXXX XXXX XXXXXX/XX/XXXX {$160.00} XXXX XXXX  XXXX XX/XX/XXXX {$590.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$590.00} XXXX XXXX XX/XX/XXXX {$5700.00} XXXX  XXXX XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XX/XX/XXXX {$420.00} Fraudulent Inquiries to Be Blocked and Deleted : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX  XXXX XXXX XXXX Account number- XXXX I have sent 4 letters disputing this account due to its reporting inaccuracy over a 5 month period and have yet to get a response. The account is showing 30 days late for the month of XX/XX/XXXX with XXXX, while showing paid on time with Equifax and XXXX  for that month. Also, Equifax is reporting 30 days late XX/XX/XXXX and paid on time with XXXX  and XXXX  for that month. XXXX  is reporting 30 days late XX/XX/XXXX and paid on time with XXXX  and Equifax for that month. I have checked my records and I have never made a late payment any of these months. In addition to the inaccurate reporting, it has been over 150 days and I still have not received a proper investigation or response to my disputes. This inaccurate reporting is adversely affecting my credit scores.
Product: Vehicle loan or lease

Called several all the reps are saying the account being paid off. However my credit reflects otherwise. I just would for this account to be removed from my credit report.
Product: Bank account or service

In XX/XX/2015 I had a checking account with Bank of America. At the time I was working for a local XXXX who paid me by Direct Deposit. At my pay cycle in XX/XX/XXXX my DP was issued, and bounced. The XXXX then wrote me a regular check which I deposited. The XXXX at the same time as writing me a manual check had attempted to push my Direct Deposit check through again. The direct deposit ended up going through so the XXXX immediately placed a stop pay on the manual pay check. While this was going on I was working with the branch manager to help me avoid any fees or problems with my account. Abruptly the manager and myself were told that my account was now going to be closed. They closed my account shortly after with a XXXX balance. But when I try to get an account somewhere else, I 'm told I ca n't get approved because Bank of America has flagged me as fraud. I have called and spent over 30 hours on the phone with them to resolve this, every time I am told the same thing " we see that this is an error in our system but we can not resolve it you need to send a letter to our risk department. So I have, 4 times, and they have not responded to me one time. I do n't know what to do at this point, I ca n't get a bank account and this affects every part of my life. Please help.