23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Fraudulent charges were made on my XXXX  Barclays Mastercard to the amount of {$9300.00}. I promptly reported the charges, and the card company told me that the investigation would take 30 days before it would be removed from my credit report in a letter dated XX/XX/XXXX. This was mid XXXX. I made a police report XX/XX/XXXX with the XXXX, Maryland Police Department, because that was the town I last used the card. I reported the fraud to one of the credit  bureaus. They have only refunded {$700.00} of the over {$9000.00} of charges. They have not removed the charges from the card or marks from my credit report and have not contacted me or provided me with any supplemental information despite me contacting them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Three months ago I disputed bankruptcy and lien information that is listed on my credit report, Equifax listed it as being verified but did not provided actual validation from the verified source. Effectively as of XXXX XXXX, the new consumer bill that propose changes to credit reporting and scoring. There are specific information that is required to determined the accuracy of what is being reported. After reaching out to the XXXX County Clerk of Record in my county regarding the information that is on my credit report and the process of how it is verified is by public inspection during working hours. No special provisions are made for reporting agencies. I would like concrete proof that these liens and bankruptcies are indeed accounts of mine, and promptly remove if not.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the month of  XXXX   2017 , I disputed a company on my credit report  XXXX   XXXX   XXXX ,  XXXX , ACCOUNT #  XXXX  I received a letter from them stating that they were submitting a request to the credit bureaus to delete all tradelines from my credit report. On  XXXX   XXXX  I faxed a written letter to Transunion as well as the letter from  XXXX   XXXX   XXXX ,  XXXX  as PROOF stating that they were deleting this account from my account. On  XXXX   XXXX , I contacted Transunion in reference to my faxed documents. I was told that they had to contact the company and it could be up to 30 days for results. I feel as though, I should n't have to wait the 30 days for the company to respond when clearly that stated in the letter that they were deleting the account. It seems as if I did n't have documentation I would understand the 30 day wait, but I have documentation from the company that was faxed to them and they also verified that they have received this information but they will not delete it.
Product: Bank account or service

I have used Union Bank of California services for almost 20 years. Most of this time and most of the banking I did on-line. This XX/XX/XXXX all of a sudden many functions of their site stopped working. As usual, I wrote to the customer support. They responded with some general assurances but nothing changed. I contacted them again to no avail. After a few exchanges of the kind they stopped answering. So, I went to the branch I usually work with. They could n't figure out what was going on and referred me to their " Customer Advocacy Group. '' OK, a representative of " the group '' found me and after a considerably long conversation over the phone promised to contact IT department ( finally! ). After another few days they called again and informed me that the site for on-line banking was upgraded and from some moment on supports only windows or XXXX operating systems on the client side. I use linux distributions for many years and for good reasons. Linux OS is fast, stable, reliable, and secure. Linux is not susceptible for viruses and other malware. Why the bank feels entitled to discriminate me and force to switch to OS I really hate? Or should I turn back to paper banking? Why do they do this? What is the big idea? I could not get any answer. I suspect it could be something really fishy like a trust with XXXX which is infamous for that kind of deals. 
PS. I do n't mind my name being published. Actually, I prefer to be named.
Product: Mortgage

To whom it may concern, Our house was mortgaged by XXXX XXXX XXXX then M & T Bank bought the mortgage from them. All during this time that they have owned the loan every year they we receive ANNUAL ESCROW ACCOUNT DISCLOSURE STATEMENT FROM THEM. They always send us a shortage coupon and always try to XXXX our property taxes, when our taxes have only gone up {$16.00} this year. Our property taxes are for this residence and the adjoining lot which is {$590.00} for this year. M & T Bank want 's to raise the property tax that they collect from us to {$1000.00} This happens every year with them and we have to fight with them and then we have to call them and they state they will have to research it. 
XXXX XXXX XXXX stated to us that the PMI on our loan could be dropped after 5 years as long as we did n't have any missed payments or late payments. Which we have made every payment and not been late with it. 
I have been trying for the last 3 years to get M & T to drop the PMI and they state that we have to have a 80 % Loan to Valuation ratio and we are at 80.6 % and the lone is close to 8 years.
Product: Credit reporting or other personal consumer reports

XX/XX/23 XXXX received email from Experian saying credit file inquiry- theres been a change to your credit file XX/XX/23 XXXX received call from XXXX XXXX XXXX inquiring if I applied for a XXXX XXXX credit card. The name given was my maiden name. I changed to my married name 2 years ago. I stated I did not apply for any credit card, and the representative said she would mark the application as fraud and reject the credit inquiry on my file.
Product: Credit card

I contacted Customer Support about a problem with my overdraft coverage being XXXX suddenly. The initial contact was through chat ( my only option of how to contact them ). I talked to three advocates who told me the exact same things & no one looked at the information I kept stating. I requested to speak to a manger, in which my complaint was logged & emailed to a manager. I then talked through several emails to one manager. After having to go through a run around, the matter was never resolved. I would file a complaint here but I am passing the matter on to my financial attorney because of the illegal activity that occurred. But I would like others to be well aware of their tactics and be warned. 

Here is what happened. Cash App offers overdraft coverage in case you would need it. the amount varies ( mine was XXXX dollars ). The requirements according to their terms of service is that at least XXXX dollars total must be direct deposited a month and the overdraft amount not be in past due status of 45 days or more. My direct deposit amounts were well over XXXX each month and I was constantly paying my overdraft amount ( almost every day ). Thus, I had met both requirements and their was no other reason to have it XXXX. 

When I contacted Cash App about it, each contact, including the initial with the manager, stated the requirements that i just mentioned. When I responded with my argument that I had clearly met the requirements and asked for an explanation on why it was XXXX regardless, they refused to give me anything further. They stated that there was no new information and the matter resolved. Interesting since no one really looked into the matter nor ever gave me an explanation beyond the computer generated one of requirements. Clearly, they had XXXX my overdraft coverage for NO reason and this was done illegally & wrongly. I pointed this out several times to each advocate and to the manager. Each response, no matter what I said was the same. Ridiculous!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Transunion and XXXX have damaged me. 

The stupid methodologies used are outdated irrelevant and make no sense. 

I have worked very hard to make my credit report be as perfect as an imperfect person can. 

1. I understand what the credit report is supposed to do 2. I am competent in understand what is being relayed to me in my report 3. I understand that the three bureaus have XXXX XXXX that do not accurately relay timely information to the clients they get compensated from. 

With the being said I XXXX XXXX am telling the 3 Bureaus that the way they use the information and their formulas have unduly caused damage to me in my pursuit of obtaining my financial goals. 

I am a XXXX XXXX XXXX and have been actively engaged and participating since the age of XXXX. I am now XXXX  years of age. I have experienced my share of financial ups and downs. Not having anyone to loan me a {>= $1,000,000} to get me started I traveled on my journey as best I could. I must say I consider myself a SUCCESS STORY! 

In reviewing the DAMMING INFORMATION the 3 Bureaus portray in my record I do not believe it accurately portrays my lifes financial story ACCURATELY! 

I do not want a canned response to my complaint. I want the Bureaus to explain line by line how each item is weighted. 

I. E. Mortgage Loans that are paid in full have more than just payment history to consider. Did they sell it outright or is it an asset they own outright now? Shouldn't that compute into credit worthiness? Just to say it was paid in full doesn't do much for making that determination.

I.E. Closed accounts dont count in Aged Accounts Computation nor do Paid in full for Length of time of accounts I.E. Why a debt that is 7 years old is allowed to reappear I.E Weight established for debt and amounts etc Overall I can use my specific case to designate each issue I have with the way and methodology used to establish a score. 

It's too much to try to get my issues resolved with canned responses.
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 U.S.C 1681 XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CONTRACT CALLERS, I XXXX Equifax Credit report XXXX credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable
Product: Credit reporting or other personal consumer reports

In XXXX of 2023 I leased a XXXX and used their provider to get approved. They processed my application and I was approved immediately through Santander. Over a month later, my credit card credit reporting notified me of additional inquiries from Chrysler Credit. When I called to inquire, they told me to call back in the morning as they weren't able to tell me why my credit was ran. Overnight, it was then pulled again. When I spoke to someone the next day, they escalated me to a supervisor whom told me there was an error and they would make notes but they would submit an audit to have those inquiries removed but still could not tell me why my credit was hit XXXX more times. I came to learn that Chrysler Credit is a subsidiary of Santander. In XXXX, I called back to get an update and had to go through the entire thing again, was escalated and a women then told me there was an error in their system and she would follow up with the department making those corrections and that she would call me back on XXXX with an update. XXXX came and went and no call. I called in XXXX again to follow up. Same deal, he wasn't sure why I wasn't called back, saw the case notes and promised to follow up- still nothing. It's mid-XXXX and I called and again spoke with a supervisor who told me they cant do anything since I never filed an actual application with them. He saw the case notes and the audit and advised me to follow up with the credit bureaus themselves. My credit report was hit a total of XXXX time, XXXX authorized by XXXX, and XXXX not authorized that brought my credit down XXXX points over the course of the month. They are all still reflecting and nothing has been done.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX scenario, In XXXX of last year i received a pre approval on XXXX for the credit cart I applied and they approved me for XXXX The card was never received nor activated They confirmed over the phone that the account was past due but saw it was never activated or used. The only charge was a {$34.00} fee from them directly. 

The rep confirmed the card was not activated and waved the {$34.00} fee. 

Following waving the fee he asked me if ide like the card sent or close the account. I asked him to please close the account I dont need the credit card I just dont want my credit being affected for a card I never received, activated, or used. 

He closed the account for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding lowest credit score of the 3 reporting agency.

Equifax co. Keeps reporting my credit score far below the other 2 reporting agency and is keeping me from obtaining a loan to repair my credit. If it is at all possible to review my report to bring it up to near the other 2 reporting agency would be appreciated. 
Thank You XXXX XXXX
Product: Debt collection

In 2015, a car loan was allegedly opened in my name at XXXX with XXXX. I did not sign for this car loan, nor did I authorize anyone to sign for me. The debt has now been sold to XXXX XXXX XXXX who has been taken over by Velocity Recoveries. I have submitted extensive documentation showing that I was not even in the country at the time the transaction took place, police reports showing theft of identifying documentation just a couple months prior to this incident. I also had a forensic document XXXX to review the signed contract. The XXXX, proved that I did not conduct this transaction. I have written to XXXX, XXXX, and Velocity Recoveries to let them know of the fraudulent activity way back in XXXX. It is now XXXX and no changes have occured, the account is still listed on my credit report and it is causing harm.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX Sc XXXX has been reporting false information, about me, to the credit bureaus for over 2 years. 
I filed a police report for fraud and identity theft, regarding this account and others. 

The account has been removed from my credit report on multiple locations but after it is removed XXXX XXXX XXXX will then have it reported to my credit report again under their partner, Collection Agency, XXXX XXXX, XXXX. 

Same owner ( s ), same city, state and address. 
As of XX/XX/2021, They are claiming that I owe them a loan in the amount of {$24000.00}. I have never taken a personal loan out with this company and I certainly have no written agreement with them. 

In XXXX XXXX XXXX, I faxed and certified mail them a letter asking for proof of this loan that they're claiming that I owe them. I also demanded that they contact the credit bureaus and have this false collection account removed from my credit bureau. I was never sent written proof of this loan agreement, nor was the collection removed from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$2300.00} ; XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit card or prepaid card

I have a capitalize card in XX/XX/2023 I was informed that someone made a payment on my account. And I need to send a statement from that bank. I dont know who sent the payment and I dont even the name of the bank so they put a restriction on my account till I send the statement. Then they started adding late fees. Because I didn't send a payment on account I can't use.
Product: Mortgage

I purchased my FHA home loan in XXXX. 
I lost my federal government job in XXXX. 
XXXX XXXX XXXX sold the loan in XXXX ; to XXXX XXXX ; due to delinquent payments. 
XXXX, XXXX sold the loan to an XXXX ; due to delinquent payments. 
The alonge note is not the original ; as I purchased the loan in XXXX. 
The Lender has converted my FHA loan to a conventional loan. 
The lender is expeditiously trying to sell the property without honoring a loan modification ; as required by law. 
I was never notified that I no longer had a FHA loan
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I tried to use my debt card to purchase items at a store that uses Tele Check Services, I was turned down and was then given a code as the reason I was turned down and to get in contact with Tele Check services. I called their number XXXX, I was immediately asked for my Bank Account Drivers License Number I refused, ( I felt this to be entrapment and illegal ) My identity has been stolen. I have good credit after spending money to safe guard it, I wanted to know what was in their files on me that may hurt me again. Heck Their Parent Company XXXX XXXX ( which brought out First Data /Tele Check in XXXX of XXXX ) had a breach of their own computer Security software last year in XXXX.Now knowing this I'm suppose to just trust them with my personal information, I was then told my credit was going to be affected if I didn't comply. " this was black mail '' I filed a Small Claim against them, On XX/XX/XXXX in the District of XXXX on Superior Court (  Small Claims Court, suing for {$10000.00} ) well they hired a Law firm against ( Little ole me ) and they've stated that I brought up an article published back in XXXX from Consumer Protections web-site stating that they were fined back then in the amount of {$3.00} Million for violating the consumer protection laws, that this case belongs in District Court here in the District of XXXX  because this case was similar and was filed in the wrong Court, and should be heard in the District Court of Washington DC and while doing so they also filed for notice of removal! I'm not a lawyer!! But why are they so scared " maybe because their still up to their old tricks. The case number is XXXX with Judge XXXX they want a response by XX/XX/XXXX, In District Court of Washington, D.C. They're afraid you may come after them again.
Product: Debt collection

I currently have a garnishment stipulation payment agreement for XXXX XXXX XXXX XXXX for {$4300.00} through Dobberstein Law Firm and my last payment is XX/XX/2023. Now suddenly I received a letter from said XXXX Firm claiming that I owe a debt for {$4300.00} to another LLC. I do not owe this debt and I dont know why Im being contacted. I feel this is an attempt to just get money from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED INQUIRIES WERE NOT AUTHORIZED BY ME AND I WOULD LIKE THOSE INQUIRIES TO BE REMOVED OFF MY CREDIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

i took out a loan against my house with XXXX and it was closed on XX/XX/2320 and then it was sent to XXXX XXXX XXXX and that account was closed on XX/XX/2015 and then it was sold to sis and i sent you a complaint on them to get it taken off my credit report cause it was paid in full and its still on my credit report as closed and its been 4 yrs now and i would like these companies taken off my credit report and also need to send it to transunion
Product: Mortgage

On XX/XX/XXXX I applied for a new policy for my home insurance. That policy would be effective XX/XX/XXXX through XX/XX/XXXX. The mortgage company used my escrow to pay XXXX  ' Insurance ( POLICY NUMBER : XXXX Effective Date : XX/XX/XXXX Expiration Date : XX/XX/XXXX ). in XX/XX/XXXX I checked my escrow and saw that the mortgage company paid another homeowner insurance because they didn't see that my house was insured. Now I end up paying XXXX insurances for the same house. 
I called the mortgage company which is XXXX XXXX, and the customer service that I spoke to told me my policy with XXXX XXXX XXXX was canceled. She can't tell me what happened to the money that the mortgage company paid XXXX. When I contacted XXXX, they said " No my insurance is valid until XX/XX/XXXX ''. XXXX customer service gave me an email to send a letter to prove that I have insurance but can not provide the telephone number because they don't speak to clients, just by email. It's doubtful, it is a scam. XXXX XXXX XXXX is charging an extra {$XXXX} monthly to cover the shortage for the XXXX insurance. That is really a scam, fraud by a mortgage company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company reports outdated information ... .the way they do this is change a XXXX XXXX to read XXXX ... .ive had 3 reports pulled in the last 6 months ... all three were different with false and incorrect information ... somebody with this agency or the reporting agency is falsifing the information.. 
Recklessly ... negligent..willful..and with malice..
Product: Credit reporting or other personal consumer reports

To whom it may concern, Under 15 U.S Code 1618B Permissible purpose of consumer reports ( a ) IN GENEREAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relate. 

I, XXXX XXXX never gave Experian any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter. 

Concerning the account listed below as a consumer, I am demanding a deletion of these account listed below : XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX
Product: Prepaid card

I just open this account and tried to transfer money from my XXXX XXXX to pay my landlord. I use Venmo to get paid my job. All I did was ask my landlord to be a friend on Venmo so I could pay him then then I added my XXXX  XXXX  so I could transfer {$100.00} to add with my current balance which is {$840.00} dollars I forgot my card was locked and it declined. Venmo then froze my account. I called to see why my account was froze and they do not have a reason. They stated that I have to wait on an account specialist to review my account. On their website it says if you have a reason for them to release or unfreeze your account they will and my rent is a legit reason. I have not even had this account for a month. I need my money I worked hard for my money. And Im not trying to be evicted from my home. I have XXXX XXXX  children who needs their home!!