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

New and updated information in reference to complaint # XXXX Transunion is ignoring my dispute of their reinvestigation process under 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. I included in my complaint a letter from Bankruptcy court stating that they do not communicate with any Credit Reporting Agencies. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 2 ) ( A ) Transunion is in Violation of this law and are ignoring my request to delete Bankruptcy 's from my consumer report, TransUnion states that Bankruptcies are varied and updated but have not contacted the US Bankruptcy Court I have attached proof of this to this complaint and previous complaints I would like to add that Transunion is also in Violation of 614. Restrictions on investigative consumer reports [ 15 U.S.C. 1681l ] Whenever a consumer reporting agency prepares an investigative consumer report, no adverse information in the consumer report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Non of the times that I listed in previous complaint # XXXX Transunion did not follow this law and never has when I have disputed my consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed on my home with XXXX XXXX on XX/XX/2019. About a month later I received a letter of Servicing Transfer to Loancare , LLC. At some point both companies were claiming to be the company servicing my mortgage and I received statements from both companies in the same month ( XXXX ). Right now my credit report is showing like I have two mortgages and because of their faulty reporting, my credit score dropped to the 600s.
Product: Credit card or prepaid card

On Monday XX/XX/2019 I received two Email Notifications, Telling me that I had made two Purchases From a city And State that were hundreds of miles away from where I actually live. From a supermarket in this city for the amount of XXXX and then again for XXXX. I proceeded to call the customer service number on the back of my card to make a dispute and try and figure out what was going on. They told me that they had deactivated my card and that I would be getting a new one in the mail within 7 to 10 business days. And that they would send me a dispute letter that I must fill out and send back within 10 days in order to be eligible for a temporary credit of the amount disputed. It has now been 5 days since I called and still no dispute letter for me to fill out and send back. And they say if they dont receive it within 10 days from the date in which I called to make the dispute. That it would take any where from 45 to 90  days to have any chance of getting my dispute resolved. Later that day on XX/XX/2019 I received an additional notification from money network saying that I had purchased {$13.00} worth of fuel, still from the same city XXXX XXXX. I called them again for a second time asking why Im still being charged for items in this city and state, when I had made a clear dispute hours earlier. And they had told me that they had canceled my current card from which the money was being spent from. They told me that the purchases were pending and that they hadnt gone through until then. And that there were two total charges for fuel from a XXXX in XXXX XXXX. One for the {$13.00} which I received a notification for and another for {$15.00} in which I did not receive a notification for. So then I opened an additional dispute for another two charges on my card. Told me the same thing about the dispute letter and them having to receive it within 10 days for them to do anything about it. Or else it would take them 45 to 90 days to even take a look into it.
Product: Checking or savings account

On XXXX the XXXX I deposit cash and my girlfriends check ( which is drawn off a Chase business account ). The bank placed a hold on my account and debit card. After answering several of their text messages they stated that they were closing my account and could not say why. I was told to go into a branch. I did that and they only released {$500.00} of the {$2000.00}. As of today they have only released an additional {$1000.00}. They are holding the remaining {$500.00} that was the amount of the check. This check was issued by a real-estate company. I have contacted them and they provide proof the check has cleared their account. Chase says that the account is closed as of XXXX but will not be able to release the check.. They have contacted the realtor office and knows that the check is good.
Product: Credit reporting or other personal consumer reports

Please update the balances on these accounts as they have all been paid in full. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

Wells Fargo I have my sons estate he had credit card. The bank sent in to the probate to get paid for the credit card. I communicated with estate dept. in XXXX of XXXX recieve a payoff amount that was agreed. I then had no communication from WF for over 30 days.

I was sent a letter from the escalation dept.to handle my complaint?

They have changed the case number on the original XXXX letter 4 times! 
I have never ever been contacted by the representative in the Estate dept.

The letter said I had to renegotiate the estate amount?

I have called over 50 times emailed 7 times and been contacted by a customer service representative who can not help me.

I am asking you to help me have Well Fargo close this Estate claim due to there unethical banking standards and for changing the case number 4 times.

I do not and will not pay them on this estate bill- but to close probate I need WF to close out this account. XXXX XXXX XXXX XXXX last 4 of SS # and XXXX birthdate. 

Please make them stop sending letter in my dead sons name!, Please help me I have been yelled at Hung up on XXXX XXXX XXXX My name is wrong on your web Site and I cant change it. It says XXXX XXXX.
Product: Credit card

Last month on XX/XX/XXXX, I sent a payment of {$40.00} through bill pay set up by XXXX. The following day I sent a payment for {$200.00} using the same method. My payments have yet to be applied to my account. 

The {$200.00} payment was cashed by your company on the XXXX. 

I expect this to be resolved immediately. I called for the 3rd time today and requested a supervisor. Not surprisingly, one wasn't available. 

This is the only company that I have issues with, in regard to bill pay. Every other company receives my payment and applies it properly in a timely manner.
Product: Mortgage

XX/XX/XXXX I submitted an application to refinance my existing mortgage loan with Bank of America. After waiting and many inquiries about a settlement date, I found out by email on XXXX XXXX from the loan officer, that my file was cancelled. I have been a customer in good standing with BOA since XX/XX/XXXX, my mortgage loan servicer. At this time,. my income has increased, my financial portfolio is still stable and has increased, and my outstanding debt has decreased substantially .My credit score is XXXX. I have provided all documents to complete the process in a timely manner. I was mailed a new Good Faith Estimate dated XX/XX/XXXX that exceeds the original one dated XX/XX/XXXX by {$1700.00}. I paid for the appraisal that was done in XX/XX/XXXX, required by the lender. I was assurred previously by my loan officer via email communication that the delays would not change the original terms on my loan. The interest rate lock that we agreed upon expired Please review and investigate why they cancelled my filed. I want to move forward however, the interest rates for loans have now increased.
Product: Debt collection

My now deceased aunt opened several accounts in my name using my social security number. I received a letter from Credit Management dated XX/XX/2020 on XX/XX/2020 ... .2 months after they have placed the debt on my credit with all 3 bureaus. I then sent a certified letter on XX/XX/2020 asking them to verify the debt was mine. I asked for XXXX service agreement with my signature, my drivers license or any identity proving I signed up for their service. I received a return letter stating they do not settle not verifying the debt. We are currently buying a home so after numerous phone calls to XXXX and Credit Management we were told if we paid it will be removed from the 3 bureaus and after XXXX settles the fraud claim we would be reimbursed. Now, after they have been paid ... .none of those conversations never took place. They lied to get my money and still has this fraudulent debt on my credit! They went from calling everyday to now hanging up.
Product: Credit card or prepaid card

I did a balance transfer from 1 credit card company to wells Fargo. The terms of the balance transfer for Wells Fargo were 0.00 % interest for the term of the balance transfer which means I would not have to make any payments whatsoever. Now, without any notification or changes to our agreement, Wells Fargo is making me pay monthly payments on this balance transfer. This is a BREACH OF CONTRACT, and should be considered illegal.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

The following information on my credit report is the result of identity theft and should be blocked : XXXX - XXXX - XXXX As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report this information, ensuring my credit report no longer contains any fraudulent details.

Several times, I have called the credit bureau reporting these fraudulent accounts in my report, but the CREDIT BUREAU has not provided a solution to this problem. I am being severely affected, as it prevents me from acquiring a new house for my children. These collections were eliminated and not verified by other bureaus, and I do not understand how they continue to claim that these accounts are mine. 

I have requested contracts from this company with my information, and for more than 60 days, I have not received any response from them. Please help me by immediately deleting these accounts. Here, I include the FTC report, hoping that you make a better decision in my situation. Thank you.
Product: Credit reporting or other personal consumer reports

I'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scam. XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CT XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$20000.00} ; XX/XX/XXXX XXXX Balance : {$0.00} ; XX/XX/XXXXXXXX Balance : {$3500.00} ; XXXXXX/XX/XXXXXXXX Balance : $ {$54000.00} ; XX/XX/XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit card

I enrolled with a Citibank XXXX XXXX XXXX card for XXXX store promotion during checkout at a XXXX 's retail XXXX. The store provided a temporary ( paper ) card with number. I then found XXXX 's online systems were broken to the point of not being able to access the account at all, for over a month. Weeks of stereotypical customer support fiasco followed. I eventually filed a Better Business Bureau complaint in an effort to compel Macys to respond. I was eventually issued the physical card they originally failed to deliver, so that I could access the account, review statements, and pay the balance. A late fee was reversed, and I paid the interest balance on the account in addition to the principal balance. This was the extent of the compromise initially reached. 

That is, I paid the entire account balance XX/XX/2023. I have since checked the account 's status and confirmed that the balance is {$0.00}. In a response letter to a Better Business Bureau complaint, a XXXX XXXX representative further stated that the balance at that date ( XX/XX/2023 ) was {$0.00}. There has been no activity on this account whatsoever since the initial purchases ( and refunds ) made in XXXX. 

A credit monitoring service from XXXX ( which I have instituted following this incident ) is now alerting me that this account shows an interest charge and a balance. 

I have attempted to access my account via XXXX XXXX XXXX XXXX and have received a message that " We can not display your information at this time ''. I am unable to manage the account in any way. 

As far as I am concerned whatever activity is now transpiring on this account is nothing short of credit card fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was contacted by a company providing loans i did not pay much attention and My secretary unfortunately filled out the loan request form at this website where they asked for last 4 digits of my SSN, surely they are scammers. 

XXXX XXXX XXXX, What do I need to do to protect myself? 

Thanks XXXX XXXX  : XXXX XXXX XXXX XXXX  XXXX  : XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX CC XXXX XXXX XXXX  : Re : XXXX XXXX XXXXXXXX XXXX XXXX solar project Hello Mr. XXXX My name is XXXX XXXX XXXX I represent a group of lenders in the XXXX, we can finance your Energy Projects, you just need to fill out the application form in the following site : XXXX XXXX XXXX, once that you have completed and submitted the  application form, please confirm it to me, with this action we start the loan approval process, the board of directors will review your project and after that, they proceed to issue a pre-approval letter, this letter contains the terms for the loan and you have to review the terms and if you agree then you sign the pre-approval letter and send it to me with some documents ( Proof of Identity -International passport or diver 's license of the borrower or scan copy of company license-, Utility Bill Receipt/Tax Return Receipt and Three Months recent Bank Statement ), with this information the lender proceeds with the due diligence process and after the lender approves your loan then he issues an approval letter, and when you receive it you have to sign it and send it to me and also you have to pay the security deposit as well as provide your account number where will be transferred the funds, with this information the lender issues the loan agreement that also has to be signed by you and after that, they proceed with the funds disbursement to your account. 

For the security deposit is used an escrow account where the owner is not the lender, the owner is an escrow agent, this escrow agent is an entity that holds the property in trust for third parties while a transaction is finalized. The role of the escrow agent is made by an attorney ( notary ). The escrow agent has a fiduciary responsibility to both parties of the escrow agreement. 

I am attaching an example of the Endorsed Irrevocable Bank Closing Undertaking where this document is establishing that if you do not receive into your bank account in the next following 48 hours after the confirmation of your deposit payment of {$100.00} KUSD the escrow agent will refund the {$100.00} KUSD to your account, please review it ( I only have erased the information of the customer due to this is a confidential information ). 

Please let me know if you have any questions Best regards XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incorrect addresses on my credit report. I had type up an letter to Experian requesting to dispute & remove these inaccurate addresses from my credit file. I had sent out the request by certified mail. It was delivery to an agent on site on XX/XX/2018 in XXXX, TX XXXX at XXXX. It has well over 30 days, and I still haven't had my those inaccurate addresses remove from my credit file. 

I also stated in my letter : Please remove both of these addresses from credit report, as they are not deliverable to me by the U.S. Post Office and they are not reportable under the FCRA, since they are inaccurate.
Product: Debt collection

To XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, SD, XXXX Acct Number : XXXX Case Number : XXXX RE : Cease and Desist Request and Deletion Of Collection Account From My Credit Reports, XXXX, XXXX, XXXX and XXXXXXXX XXXX XXXX XXXXXXXX. 

This letter is to formally notify you that I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692c ( c ), and request that you immediately cease all communication with me regarding the alleged debt associated with account number XXXX. As part of this cease and desist request, I demand that you stop all forms of communication, including but not limited to, phones calls, letters, emails, or any other means of conduct. /////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// Furthermore, please be advised that reporting this collection account to any credit reporting agency constitutes an ongoing form of communication. By continuing to report this account on my credit reports listed above, you are violating my cease and desist request. I demand that you immediately remove this collection account from all credit reporting agencies listed above. ////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// Failure to comply with this cease and desist request, including removing the collection account from my credit report, will be treated as a violation of the FDCPA and may result in further legal action.
Product: Prepaid card

American Express wrote to me requesting information about my gift card issue, in response to my first CFPB complaint. However, they did not provide a way to contact them and when I called the main American Express customer service number, they were unable to help with this issue, nor give me a way to contact the Customer Advocate Services Team. 

I was gifted two American Express Prepaid Business Gift e-Cards, worth {$300.00} each. The cards were not working when I used them at different vendors. American Express resolved the issue with one of the cards, but wrote me a letter requesting more information about the second card. 

The card is still listed as active with its full balance ( this has been confirmed by American Express on the phone when I spoke to them ). I have been unable to use the card in any manner. I only have the e-gift card, not a physical card. I am finding that the value of the card is stuck and seemingly unable to be used. I called American Express, they told me to just keep trying to use the cards at different merchants. I called one of the merchants and they said that the cards get declined because of bank related reasons and that I should call the bank ( American Express ).
Product: Money transfer, virtual currency, or money service

The CFPBs has indicated that Zelle has neglected to protect consumers and allow repeat offenders to exploit the system leaving users vulnerable to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed over 4 separate letters with XXXX, Transunion and XXXX   each letter over 35 days apart requesting Incorrect Account Status validation and requested to be corrected or delete. 

In the event that you can not verify the details and/or provide the requested information, kindly remove these damaging accounts from my credit report. 

If you can verify the information you have listed as accurate, please provide the name of the person supplying this data as well as the manner in which it was provided in order that I may pursue additional remedies. 

Accounts wrong XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX credit card
Product: Credit reporting or other personal consumer reports

this account is still on my report and being wrongfully updated by XXXX  XXXX and XXXX  the reinvestagation was just a standard reply with no facts i asked how was this being reinvestagated i got nothing i asked for the 1099 from the charge off it was never given to make it worst the lost was covered on a XXXX claim and i submitted cert mail identy fraud and police report all cert mail all notarized also requested to have my personal information corrected nothing was corrected i call cant get through to anyone hours on the phone being lied to i pay for my membership account i get no help just more lies this is hurting my loan and living situation i send information that this company is not allowed to collect on debt in florida it gets ignored what are the laws for???? if u do not follow them? 
. all with diffrent information SANTANDER CONSUMER USA Account Info Account Name SANTANDER CONSUMER USA Account Number XXXX Account Type Auto Loan Responsibility Individual Date Opened XXXX  Status Account charged off. {$18000.00} written off. {$18000.00} past due as of XXXX XXXX
Product: Credit card or prepaid card

Hello, Usbank is n't going to refund this  XXXX  charge. I did not make the charge, my balance SHOULD be  XXXX , instead it is {$69.00}. I 've called and they said it should be fixed and of course nothing has been done to fix it.     Thank you.    XXXX   XXXX   XXXX , GA