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

TRANSUNION has not responded to my concern in a timely manner. According to the CFPB XXXX XXXX has admitted that ALL credit reporting agencies have committed consumer violation and have NOT been handling complaints carefully and responsibly. I so believe TRANSUNION has ignored my demand and has continued to federally violate me willfully. I am devastated and hurt by this both mentally and physically. I am not disputing anything I am DEMANDING TRANSUNION exercise their GRAVE DUTIES to report accordingly and respectfully on the consumer to insure confidence in the banking system. I will no longer extend my credit until TRANSUNION has settled the matter IN GOOD FAITH and remove demanded accounts from my reputation
Product: Credit reporting or other personal consumer reports

I received a garnishment disclosure dated XX/XX/year> in re : transactions that were not made by me. The fraudulent amount totals {$360000.00}, plus fees, I never gave written consent to XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX ), to report or furnish my information on my consumer report or any other entity.
Product: Credit card

My name is XXXX XXXX, I am a XXXX Bank of America XXXX XXXX XXXX XXXX  who has several accounts opened all in good standing with your company. Im a XXXX XXXX XXXX XXXX who thought ( up until this point ) I was growing a relationship with Bank of America. I was very shocked to open my account and discover my business credit card had been reduced by {$20000.00} dollars. Not only was my credit limit reduced, but the remaining available credit was left at {$230.00}. This created a huge negative appearance for me in the business world of obtaining new clients. I received a letter in the mail stating my account was reviewed and reduced do to : XXXX. Number of inquiries on your credit file XXXX. XXXX or more revolving accounts opened within the last 2 years First, I would like to say, I have no derogatory credit entries on my credit profile. No collections, no public records, and the total number of inquiries ( XXXX ) on my profile are less than what was on there at the time I opened these credit cards ( which was XXXX at that time ). I have no missed payments, and several other credits with Bank of America. As for the revolving account, I again have less this year, than when I applied for the credit card. 
In absence of the obvious, I now look to the only other reason for this reduction. At this time, I believe Bank of America is in the practice of targeting small minor owned businesses using what amounts to a bait and switch tactic. I had XXXX separate cards that I combined ( at the recommendation of Bank of America ) to obtain the {$30.00}, XXXX credit line. Ive done my part by reasonably using my cards, and paying them, I believe it is wrong for Bank of America to target XXXX owned minor businesses, with no XXXX reason for the credit reduction. I am submitting this official complaint and request that my credit line be restored back to the {$30.00} limit. After 18 years, I feel betrayed and abandoned by Bank of America. I am a small business thats just trying to operate to feed my family, Bank of America should understand, we are real people, not just numbers in a system. 

Respectfully, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

On XX/XX/, IC SYSTEM INC, XXXX XXXX XXXX , XXXX XXXX MN XXXX, XXXX, pulled my XXXX credit report as a Hard Inquiry. I received notification of this through my credit monitoring software. I immediately called IC SYSTEM INC and they told me they had no idea who I was and why they pulled my credit. The Rep hung up on me. I called back to talk to a different Rep. I was told the same thing. Both times I was told they did NOT know who I was after taking all of my personal info, DOB - SSN - Address - Email - Previous Address - etc, they found nothing. I called back again and spent another 45 minutes on the phone with a different Rep. Again having to provide ALL my personal info, only to be told... they can not find me. At this point I was able to talk to a Supervisor who - after " running me '' AGAIN, admitted he could not " find me '' and had " no idea '' why my info was pulled. I asked him to provide me a letter stating that, and he denied that request because " I still could be in there ''. He referred me to " XXXX and XXXX '' and I emailed XXXX at her request after I was able to speak with her. The email was sent to ConsumerAffairs@icsystem.com on Sat, XX/XX/XXXX, XXXX. She said : " Dear XXXX XXXX : Despite our best efforts we have been unable to identify any account in our system that matches the information provided. Our recommendation is that you dispute the inquiry with your credit bureau. That will require the credit bureaus to contact IC System to verify the inquiry. This communication is from a debt collector. 

Sincerely, Consumer Affairs XXXX XXXX  XXXX XXXX XXXX XXXX, MN XXXX I called XXXX and they said I had to have IC SYSTEM contact them to remove it. IC SYSTEM refused to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$XXXX} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Mortgage

Sign Cash for keys processing faster. I 'm ready clear house. And I 'm waiting for bank to check the house. They give me a dead line.XX/XX/2017. But I need them to come and check the property. I CANT LEAVE TILL I GET MY CHECK.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX  XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called equifax fraud department and asked if they had already had my police report and stuff on file from last year and they didnt. I was trying to dispute unauthorized inquires and wouldnt dispute them and I cant get a hold of XXXX  where someone could help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX  I went through the various screens and specified, first Experian, then  XXXX , but in each case at the last screen where it said it was getting the report it said that I could n't get it online and would need to mail to an address they provided. This is misleading when it was advertised as providing an online report!
Product: Credit reporting, credit repair services, or other personal consumer reports

i keep asking to have the wrong address removed from my report which is not even spelled correctly and is a XXXX XXXX and not a home address and they continue to update it or put a new XXXX XXXX address similar to the one i continuously ask to be removed. 

which is : XXXX XXXX XXXX XXXX, XXXX XXXX NY and XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX none of these addresses are mine. i dont understand why transunion will not remove
Product: Checking or savings account

I was recently contacted by Wells Fargo for some open disputes issues resulting on being denied and/or never resolved. The cases were recently resolved and they are as follow : Claim Numbers : XXXX, XXXX, XXXX. All on account ending on XXXX. My account was closed on XX/XX/year> and right before closure there were several disputes that weren't resolved/closed in my favor, they never got the chance for proccesing. I believe the disputes resolved are part of these unresolved disputes, only those were reviewed but I'm still missing several others. 

On the other hands, as part of remediation efforts I was also contacted for compensation for only around {$40.00} dollars. After doing my research I found out I was never compensated for my GAP insurance I paid to Wells Fargo after paying my car loan early. 

Please note these are XXXX separate issues and I'm requesting a thorough review of all historical claims were never resolved, specially those prior to account closure. Also, Please check my car loan that was paid early and never got reimbursed for remaining GAP insurance I paid when I obtained this loan.
Product: Debt collection

I got a call requesting my ss # and birthday for a debt which I know nothing about.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom this may concern, I am writing to request the removal of unauthorized credit inquiryon my Equifax, XXXX and XXXX ) credit report XXXX My latest credit report shows 1 credit inquiry that I did not authorize. 
I writing to dispute the following inquiries and asking for their removal from my credit report. 
Please have thisunapproved inquiryremoved from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 
Thank you for your assistance. 
Sincerely, XXXX XXXX
Product: Mortgage

I would like to report Freedom Mortgage Corp. for attempting to deny a veteran their assumption benefit through intentional repeated delays. 

On XXXX XX/XX/XXXX I reached out to Freedom Mortgage Corp. via phone to start the loan assumption process. They sent me a form and gave me instructions to fill it out, which I did that same day and submitted to them. I was told it may take up to 30 days for that to be processed and they would reach out to me with the next steps. 

On XXXX XXXX XXXXXX/XX/XXXX I followed up via phone and was informed that there was an issue with the paperwork and nothing had been processed since XXXX XXXX. Neither myself nor the seller were notified of the paperwork issue. That issue was remedied the same day. 

On XXXX XX/XX/XXXX I followed up via phone to verify the process was moving forward, and was told to expect a follow up phone call. 

On XXXX XX/XX/XXXX, I had not received a follow-up call, so I called Freedom Mortgage and was scheduled for a phone call for more info on XXXX XX/XX/XXXX. 

On XXXX XX/XX/XXXX, I received a call from Freedom Mortgage to give initial financial information about myself in regards to purchasing the home and was told to expect a hard copy application packet in the mail. 

On XXXX XX/XX/XXXX, I had still not received anything via mail from Freedom Mortgage, so I followed up via phone call to check on the status of said packet. 

On XXXX XX/XX/XXXX, I finally received an application packet via mail from Freedom Mortgage after 58 days of initial request. 

On XXXX XX/XX/XXXX, I submitted the completed application packet along with requesting supporting documentation to Freedom Mortgage via XXXX overnight. 

On XXXX XX/XX/XXXX, I was assigned a loan processor, XXXX, who said " over the next few business days, I'll be going through your application that you submitted over to us and looking to see if we have a full package that we can submit over to underwriting for their review, or if we're missing documentation I'll definitely let you know what we need to get that completed. '' and " look for my email in the next few business days letting you know if we either have a full package or if we're missing something, what we do need. '' On XXXX XX/XX/XXXX, I had not received a phone call or email from XXXX, and reached out via phone to his direct line and left a voicemail requesting a return call. 

On XXXX XX/XX/XXXX, I still had not received any contact from XXXX, I called his direct line again, with no response. I then called the general customer service number and was assigned a new processor. 

While this process has not yet been completed, based on numerous other complaints for similar issues filed to the CFPB against Freedom Mortgage Corporation, they are intentionally delaying the assumption process for their own financial benefit to the detriment of veterans who have earned this benefit through great amounts of personal sacrifice.
Product: Credit reporting or other personal consumer reports

This is my 4th endeavor 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, block 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I have no knowledge of any of this debt I am XXXX XXXX XXXX  XXXX, maybe they mistakenly put a debt on me that belongs to my father or grandfather??
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Wells Fargo " told '' my Banking Institution about not releasing funds on two checks  deposited into my account. I deposited on XX/XX/19 and my " X '' bank placed a hold " post-deposit '' on XX/XX/19 based on Wells Fargo information. 
Wells Fargo had until the XXXX to respond if funds will be released to " X '' bank. Account holders from Wells Fargo that gave me those checks have had funds taken out from their account posted XX/XX/19. 

It is now the XXXX and nothing has been released. 

Wells Fargo had closed my account after being a customer for 20 years with no reason. 
Now I feel Wells Fargo may be basing these decisions on my ethnicity and gender, and maybe the ethnicity of the makers of checks since we are all XXXX. 

I have been with " X '' bank for approx. 25 years and only have problems with Wells Fargo checks since they closed my account after 20 years. ( 4 years ago. ) I have gone in to Wells Fargo to cash checks. Always telling me to stand aside while they take my ID and wait a minimum 15 minutes only to ask why I was given these checks, and still continue to wait for a " decision ''. These checks are same amount every month. Wells Fargo always makes me feel as if criminal to cash checks. 
Does Wells Fargo have to decide FOR the Maker of check if I am worthy of monies owed? 

Wells Fargo does not want me to cash or deposit checks without making it an issue.
Product: Bank account or service

American Express debit card/Serve card has reduced my account by {$48.00} without any debits to incur this! My balance now reads {$2.00}. I believe it should read {$51.00}. The online balance was {$90.00} on XXXX/XXXX/15. I have a copy of this if you need it. Then on XXXX/XXXX/15 the balance was {$59.00} online. From XXXX the total debits = {$38.00}. I called the company yesterday and the guy who answered me denied there was an inaccuracy. He was VERY mean and TOO argumentative!
Product: Credit reporting, credit repair services, or other personal consumer reports

someone use my ssn to apply and open several fraudulent accounts that I did not do they stole my personal information and used it I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRAs. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Debt collection

credit collection services has place a collection on my report for the third time after I disputed it, and had it removed two times and yet they are still putting it back on my credit reports inorder to keep my credit profile and bad standings. This account is not accurate.
Product: Mortgage

I got a call at the beginning of the year from the homeowner at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX saying that there was a lien/deed for {$80000.00} on her property that was put there by Chase in XX/XX/XXXX. I have never been on title on that property. I was the listing agent/Realtor in XXXX and my Aunt & Uncle ( who have since passed away ) sold the home to the innocent homeowner who paid all cash ( so there was no Chase error in that manner. I believe I had at one time used that address as a mailing address as I was traveling a lot. 
I have made many calls and emails to Chase to remove the deed and since last week they have gone dark on me. I had an escalation expert and last we spoke this was with the legal department and there was " no update ''. Meanwhile this Title fraud is holding up the sale of the homeowner 's property and putting my real estate license and professional reputation at jeopardy. 
Additionally, I do not owe {$80000.00} to Chase. 
Chase failed to provide the original loan documents and service transfer documents from WAMU to Chase upon request. I have requested these documents 3 times in writing.
Product: Bank account or service

I have bin into Wells Fargo XXXX separate times To try to close My Account And they have refused Me everytime. They run My High Amount bills First and then Low amounts they have overDrafted Me XXXX! times this way And now they are charging me XXXX $ Service Fees Monthly For a Judgment I have against ME. But that Fee IS Going Into The Banks Pocket And no towards My Debt. After Calling The BBB And About XXXX other Bureaus Getting the run around Again Another XXXX $ Pinged off my accout into the banks Pocket. 
That makes My Grand Total XXXX $ The Bank has just Put into there Pockets And still Refuse To Close My Account. But Still Continue To Charge Me XXXX $ A Month! I 'm Currently Hoping to Either Open a Lawsuite OR Just Have My Account CLOSED. please help! with these Thieving **** **** ***** I 'm At My Wits End With What TO DO and I 'm Tired of them Stealing My Money When I Have Repeatedly Told Them Over And OVER CLOSE MY ACCOUNT. Also Have Received An EMAIL Saying My Account Was CLOSED. YET! they still Take XXXX $ Monthly I am Currently - XXXX $ Account balance first time I tried to Close My Account I was only XXXX $ to wich I deposited Enough to cover My bills But They Hit ME with a XXXX $ Service Fee AGAIN. So all My Bills Overdrafted. They Never Gave Me Any Notice Or Talked to me about it They obviously Know I DONT HAVE THE MONEY. there my BANK. And they just continue to DIG MY HOLE Deeper And Deeper Refusing To Work With Me IN Any Way WHAT SO EVER!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, after pulling my credit report I found out several accounts that did not belong to me, about a month later, I started disputing the incorrect info and after a few months I was able to get them remove. 

Unfortunately, the little issue that I currently have is that, there are two late payments  showing on my mortgage account that are not right, I was never late on that account. The late payments were allegedly made on XXXX and XX/XX/XXXX, so I am submitting a complaint thru this site, expecting to get this issue solved.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX  XXXX XXXX BALANCED {$6400.00} XXXX XXXX XXXX BALANCED {$4700.00} XXXX XXXX BALANCED {$4900.00} XXXX XXXX XXXX BALANCED {$6800.00} XXXX XXXX BALANCED {$13000.00} XXXX XXXX XXXX BALANCED {$3200.00}
Product: Debt collection

I decided to check my credit before applying for a car lease and to my surprise I saw I have a collection on my credit report. I did n't received a notice to dispute the validity letter, where I have XXXX to dispute the validity. Under the FCRA they are required to send me this letter PRIOR to reporting anything on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid off the amount with third party creditor. Creditor refuses to remove debt and is asking for more money