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

I spoke with TransUnion on XX/XX/XXXX and spoke with a US representative to correct unauthorized inquiries on my credit report. There were inquiries removed during the breach of XX/XX/XXXX and XX/XX/XXXX that were reinserted. I DID NOT receive a written 5 day notice informing me of the breach or TransUnion reinserting the inquiries. The representative told me that I am not required to receive one for inquiries. This is a Violation of the FCRA. TransUnion can not continue to violate my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 credit reporting agencies are reporting an account from XXXX XXXX XXXX that Ive disputed and asked to validate the debt on. 
I have asked them to provide the original contract with my signature on it - the creditor could only provide me a fraudulent contract that had Copy stamped on it with the words e-signature on the contract. This fraudulent piece of information had on it information that I never provided the company nor would I have signed including # of car payments and # of mortgage payments I had left to pay - this company pulled my credit report and tried to create a contract to submit for validation because I requested it. The credit reporting agencies are supposed to protect me and do the due diligence needed to detect fraud and in this case have not done so. I have numerous complaints written to them including XX/XX/XXXX and XX/XX/XXXX. I would also like XXXX XXXX XXXX investigated as they DEFINITELY are breaking the law and even tried to sue me based off of this same fraudulent contract - and the judge threw it out. I understand that I can only complain about 3 companies at a time on this complaint. 

I sincerely ask for your assistance in figuring out what the credit agencies have done about this as well as how XXXX XXXX XXXX keeps its records and reports its debts. 

Thank you.
Product: Credit card or prepaid card

In XX/XX/XXXX I accidentally overpaid my credit card bill. I thought I was paying the current balance, but I paid the statement balance. Since my credit card did not have a high balance, my account was now at - {$3700.00}. I contact them on XX/XX/XXXX and they said they could return the credit to me. They took my bank information and I was told my money would be returned in 2-5 business days. On XX/XX/XXXX, i still had not received the money so I called and spoke with 3 different people. Each time I was given contradictory information. I was told my money was on hold. When I asked why I was transferred to someone else. This person told me he couldnt do anything because my payment was already pending. I was told that 2-5 days was not true. it was 5-10 days from XX/XX/XXXX. Each person I spoke too told me a different story and timeline. The final person I spoke to said the money would be deposited by XX/XX/XXXX. Today is XX/XX/XXXX and I still do not have the money and no one is willing to explain why.
Product: Mortgage

I am referring to case number XXXX submitted on XXXX/XXXX/15. After several attempts to find a loan modification with America 's Servicing Company/Wells Fargo loan # XXXX, they have responded that they have exhausted all possible ways for me to repay the loan. The loan is a private loan with several foreigns banks. They have mentioned that there is a limit on the times the banks are allowed to permit a loan modifiaction. I have a regular income, I have even ask ways to repay the deliquent amount. I already had sent all documentation to support the hardship that I suffered. I will like the possibility for the ombusman to intervene in this situation. I perceived that the negativity and the reluctancy of the underwriters and their response sugested me that what many of these banks are pushing individuals to foreclosures and realy not helping families to keep their houses. It could be interpreted as a double dipping action from the banks to doble sell the houses. It is not true the response of the agent that they have tried to reach me without response. I had several telephone conversations with the preservation specialist, XXXX XXXX and his manger. Please advise the status of this complaint and the possibility of a resolution on my hehalf. Thank you.
Product: Credit reporting or other personal consumer reports

I DONT RECOGNIZE THESE INQUIRIES AND THESE ACCOUNTS INQUIRIES XXXX XXXX XXXX  XXXXXXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX  Date Opened XX/XX/XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX XXXX XXXX  Date XXXXXXXX XXXX Date Opened XX/XX/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

On XX/XX/2021, I sent a method of verification letter to Equifax, XXXX  and XXXX regarding a bankruptcy that is listed on my credit report. There has been no reply by mail, email or phone regarding this matter.
Product: Credit card

A Target Credit Card was fraudulently opened in my name on XX/XX/XXXX. The fraudulent applicant ran up a debt of {$730.00} which was charged off as bad credit on XX/XX/XXXX. During this time, I received no communications from Target ( e-mails, texts, calls, etc. ). I found about this account when re-applying for my secret security clearance to work on a United States XXXX XXXX project in late XX/XX/XXXX. 
I sent XXXX e-mails to XXXX on XX/XX/XXXX at XXXXXXXX XXXX ET and a second e-mail on XX/XX/XXXX at XXXX XXXX XXXX. I did not receive an answer and went into Target in person to see if there was anything else I can do. They directed me to this e-mail address to which I had already sent two e-mails. Please let me know if there is anything additional I can provide. Thank you.
Product: Credit card or prepaid card

MyhusbandandIwereintheprocessofmovingtoanotherstateduetoacareerchange.IntheprocessofmovingIopenedacreditcardaccountwithCapitalOne.Thecardcameinthemailbutwasnotabletobeactivated.IcalledCapitalOneinXXXXof2018andwasadvisedthatafraudflagwasraisedontheirendduetomismatchingdataconcerningaddresses.Ithankedthemfortheirdiligenceinwatchingoutforfraudstersandletthemknowmyaddressisunique(Iamlivinginahotelwhere2ofthefloorswereconvertedintoapartments),soperhapsthiswasaddingtotheconfusion.Ialsochangedrooms/apartmentsinsidethehotelwithinthepastfewmonths.

Iwentaheadandexplainedmysituationtotheservicerepandwasaskedtosendinacopyofmysocialsecuritycard,stateIDandproofofresidencysotheycouldgettheflagremoved.Isenttheseinandwaitedforthemtocontactme.Iwaitedandwaited...andwaitedsomemore.Iwasnevercontactedbythem.Iactuallyforgotaboutituntilmyhusbandeventuallyfinishedmovingandjoinedme,approximately6monthsaftertheinitialactivationconversationhadbeenhadwithCapitalOne.

MyhusbandaskedmeaboutthecardandsoIcalledCapitalOneback.Iwasadvisedtheyhadneverreceivedmydataandremindedmeagainthatthecardwasflaggedforsuspectedfraud.IexplainedIhadfollowedthestepstheyhadlaidoutformethelasttimewespokeandexpressedmyconcernthattheyhadnotonlylostmypersonalinformation,buttheyhadnotfollowedupwithmeregardingmycard.Theydidnotapologize.

AtthispointIdecidedIwasnothappywithCapitalOne'slackofcustomerserviceandfollowthrough.Iaskedthereptoclosemyaccount.Hedeclinedandactuallystartedtogetanastyattitude.Ifeltalmostlikehedidn'tbelievemethatIwastellingthetruth.Thiswasveryunprofessional.Hetoldmehecouldn'tclosemyaccountbecauseIcouldn'tprovethatIwaswhoIsaidIwas.IremindedhimagainthatIhadsentmyproofdocumentsastheyhadrequested.BythispointIwasquitefrustratedandoptedtoendthecall.

Icalledbackafewweekslaterwithmyhusbandtotryandclosetheaccountagain.IspokewithadifferentrepwhoaskedthatIresendmydocuments.Iwentaheadandresentthem.Theyranabackgroundcheckandcontactedmymomwithoutmypermission.MymomcalledmeandtoldmethatCapitalOnecalledandassertedtheywerecallingbecausethereisfraudonmycard.

AtthispointIfeelthatCapitalOneisnotlisteningtomeandareprejudicedintheirbeliefthatIamsomehowcommittingfraud(orattemptingtocommitfraud).Mycardhasazerobalanceandisnegativelyaffectingmycredit.AtthispointIjustwanttheaccountclosed.Anyassistancewouldbeappreciated.
Product: Mortgage

In XXXX of XXXX I applied for a refinance mortgage with Allwester Mortgage to take equity out of my investment property in order to purchase another investment property. I had just filed my XXXX XXXX XXXX taxes and still owed {$35000.00} on them. Allwestern Mortgage required the XXXX taxes be paid so they took additional equity out in order to pay the XXXX taxes at closing. However, Allwestern gave XXXX XXXX ( title co ) the XXXX estimated tax vouchers to pay instead of having them pay the XXXX taxes. Now the IRS had penalized me an additional {$8000.00} and the threat of having a tax lien put on my property since the mortgage company told the title company to pay the wrong taxes. 
I reached out to the title company who sent me the chain of emails stating the mortgage co told them to pay the XXXX estimated vouchers. I then reached out to the mortgage company via phone and several emails with no response. The IRS will not accept my XXXX XXXX XXXX XXXX since my XXXX taxes were not paid. I have attempted to settle the issue, but Allwestern Mortgage will not return phone calls or emails.
Product: Credit card or prepaid card

I made a payment to pay off my XXXX XXXX on XX/XX/2022. I paid off the full posted balance. When I checked to see if the payment was being processed there was another charge that was piggy backing in the amount of {$3900.00}. This would mean I was paying nearly XXXX for a balance of XXXX. When I attempted to work with customer service they said this payment was authorized by me. Everyone I spoke with had a different answer but all of them said they could not reverse the charge. I attempted to close the account and I was declined because I had a balance of negative balance {$3900.00}. I deleted my bank account information and went to my bank. I paid the {$35.00} stop payment fee. My bank stopped the payment from leaving my account. Then I get an email from XXXX stating that they removed my bank account because a payment of {$3900.00} was declined. When I let them know I was the one that removed my bank account information & the reason I want to close my account. I went through the resolution Center and the written statement was if you dont like the product then contact the seller. I get another message saying the {$3900.00} refund can not be processed unless I add my bank account back to my XXXX account. Now they added a late fee of {$30.00} and a {$15.00} processing fee. It was quickly reported to the credit bureaus. This made my credit score go down XXXX points because the balance increased & late payment was reported.
Product: Credit reporting or other personal consumer reports

I mailed a letter to XXXX XXXX, XXXX XXXX, Chase, XXXX XXXX, XXXXXXXX XXXX XXXX Bank, who are reporting my balance, payment history, etc on my credit report and advised them that according to 15 USC 1681b section 2 ( A ) ( i ), that the term consumer report does not include report containing information solely on transactions, and that it was illegal to report transaction history.

Neither of the companies replied to my letter, and neither one of them complied. 

I have attached the letter that I mailed each company on XX/XX/year>.
Product: Debt collection

Equifax-XXXX  XXXX had did there investigation on these account i had send copys to Equifax XXXX  many time to the years they had not take these account of my credit report. 

1. XXXX XXXX XXXX  XXXX {$700.00} 2.XXXX XXXX XXXX XXXX {$760.00} 3.XXXX  XXXX  XXXX  XXXX {$100.00} 4.XXXX  XXXX  XXXX, XXXX {$1500.00} These account have been investigation by XXXX  and was deleted from my credit report. 

I had ask Equifax to add the these account to my credit report. 

CREDIT CARDS XXXX XXXX XXXX  XXXX XXXX Last reported : XX/XX/2018 {$0.00} Good XXXX XXXX Last reported : XX/XX/2018 {$0.00} Good XXXX XXXX XXXX Last reported : XX/XX/2018 {$0.00} Good XXXX XXXX   XXXX  XXXX XXXX Last reported : XX/XX/2018 {$0.00} Good XXXX/XXXX Last reported : XX/XX/2018 {$0.00} Good They will not add my account to my Equifax report. These are good outstanding account need be add. Just dont unstand why they are doing me like this.
Product: Credit card

I have a CapitalOne XXXX Credit Card. I have had the credit card account for 11 years. I have never been late on the account and payoff the balance each months. I use the account frequently because of the cash back feature. I recently requested a credit line increase and was notified that the request was denied based on " Your financial obligations reported to us by the credit reporting agency are too high ''. I contacted CapitalOne at their customer service number and the agent told me that she could not provided any additional information on the denial. I asked her who could and she said she could transfer me to a supervisor which I requested she do. She transferred the call to XXXX XXXX ID # XXXX. I spoke to XXXX and he told me that the decision was based on the credit bureau and could not provide me with any additional information. I asked to talk to someone who could provide additional information and he informed me that he was as high as I could go as far as speaking with someone. I asked to speak to someone in their compliance/complaint department and he said that was not possible. He said he would make notes of our conversation and they would be reviewed. He reiterated that the decision was based on the credit bureau. Having credit underwriting experience, I told him that the decision is made by the credit grantor and all the credit bureau did was report a personal credit history and outstanding debt. I said I wanted to talk to someone and have the opportunity to provide detailed income and asset information. He said that was not possible unless CapitalOne requested it from me. I feel that I 'm being discriminated for a credit line increase because I pay my account in full each month and CapitalOne has never made any interest income from me. In addition they have paid several hundred dollars in cash back rebates to me over the years.
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX ad for an apt was put up earlier today ( XX/XX/22 ) and when I contacted the supposed owner, I was asked to go to a website to get a credit check. The link for the website was : XXXX XXXX XXXXXXXX. It took me to TransUnion website where I had to put personal information ( name, DOB, and SSN ) and pay {$26.00} for a credit check. Once I had done this, I failed the safety check and was not able to see my score. When I contacted the owner of the property about this, they never responded to my email despite being very prompt prior to asking me to do the credit check. I took steps to cancel the account on TransUnion website because the charges would have been monthly.
Product: Credit reporting or other personal consumer reports

this is my second dispute and you have failed ad admired that you are in violation of the fcra delete the following accounts immediately from my consumer reports Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX. The wrong amount is being reported XXXX XXXX Account XXXX : XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX. The following information is outdated. I would like it removed from my credit history report XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 
XXXX. The wrong amount is being reported XXXX XXXX Account XXXX : XXXX Please supply information on how you have verified this item. 
XXXX. Validate Account XXXX Account XXXX : XXXX Please ensure that all information is accurate XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX XXXX. The following information is outdated. I would like it removed from my credit history report XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 
XXXX. The wrong amount is being reported XXXX XXXX Account XXXX : XXXX Please supply information on how you have verified this item. 
XXXX. Validate Account XXXX Account XXXX : XXXX Please ensure that all information is accurate Please supply information on how you have verified this item. 
In accordance with the Fair Credit Reporting Act, I insist that these items be thoroughly investigated and promptly removed from my credit report. It is my understanding that you are required to verify these items with the relevant creditor. Please eliminate any information that the creditor is unable to substantiate. I am aware that under 15 U.S.C. Sec. 1681i ( a ), you are obligated to complete this investigation within 30 days of receiving this letter.

Please send an updated copy of my credit report to the address provided above. As per the act, there should be no charge for this updated report. Furthermore, I kindly request that you notify anyone who has received my credit report in the past six months of any corrections made.

Thank you for your attention and assistance regarding this matter
Product: Credit reporting or other personal consumer reports

hard inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a letter from Experian explaining that they do not feel the need to perform investigations for information if out of my credit report. today I am attaching more information as spending more money to get this information to them so that they can remove the accounts that are reporting and accurately as per law. I have already consulted an attorney to see if these violations can be brought up in court because I have been working on these issues since last year and I am frustrated. I need these accounts deleted as they are reporting inconsistent and inaccurate information here is the proof of it and I don't think it's fair that Experian, XXXX, and XXXX get to block me from exercising my rights. 

Under 1681 I of the Fcra law it states that inaccurate information must be removed from the credit report within 30 days these companies have taken longer than 30 days to perform the investigation and remove the incorrect information. under this section of the law both the company reporting the misinformation and the bureau reporting this information will be liable in the court of law and which I intend to bring suit if these accounts are not removed under these grounds I have included the letter that Experian wrote to me saying they are not going to perform the investigation and I have included the attachments of a recent credit report that I pulled showing the inconsistent and inaccurate information.
Product: Mortgage

Set monthly payment up on bi-weekly for {$650.00} and after the first of the year my escrow amount increased. Instead of the company notifying me of the increase of escrow and change in payment, they automatically changed the payment amount drafted out of my checking account. I already paid an extra {$20.00} towards principal each payment and they increased the amount withdrawn out of my account anyways. It should be against the law for them to change the amount drafted without getting permission from the account holder first. Thank you for your help with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX sent an alert that a new " hard '' inquiry was just added to my XXXX credit report from " Cbna '' on XX/XX/2019. This fraudulent inquiry could affect my score. I have not approved this inquiry and it should not be listed on my credit report.
Product: Checking or savings account

On Tuesday, XX/XX/XXXX, I was unable to logon to my USAA account via the mobile app. I then tried from a desktop and received the following message. 
Due to past difficulties, we can no longer offer you access to usaa.com. If you feel that we have restricted your access in error, please call toll-free XXXX. 
I called the number and was told they were unable to restrict my account and I needed to speak to someone in regards to my account. I suspected it may have been because I installed the mobile device on my new phone and perhaps USAA wanted to confirm it was intentional and not fraudulent. I spoke to someone regarding my checking and stated that USAA chose to close my accounts and I should be receiving a letter and a refund check that was set to mail on XX/XX/XXXX. When asked what specific reason USAA had for closing my account I was told again USAA chose to close my account. 
Today is XX/XX/XXXX and I should have received the letter and check. I live in XXXX XXXX where the bank is housed. I called and spoke to XXXX and was told I can get access to the letter via USAA.com.  I informed her my access was not granted. She said they will mail out another letter to me and my funds will then be sent to me in thirty ( 30 ) days. I asked why this is now different from the information I was given on Tuesday. Additionally, I was not notified of the closing and I have been going without access to my funds. I have no money for gas or groceries until my next pay day.Again, I asked why my account was closed and she, like the other rep, stated USAA chose to close my account. I was also informed it takes 30 days to review all my LOBs with USAA, which is only checking and savings, before a refund will be issued to me. Also, after checking with her back office she said a letter from them typically takes 7-10 days to be received once mailed. I informed her we are in the same city and only a zip code away. The letter should take two days tops to be received from mailing date. 
My main concern is that I can not be told the reason for the account closure. Additionally, it has left me without money for gas to go to work. Today I have opened an account elsewhere but will not have access to any funds until my next pay day on XX/XX/XXXX when my payroll hits. 
I have worked for over 20 years at financial institutions, including USAA FSB, and I have never experienced this level of service. People who have had excessive overdrafts, bankruptcies and even in the repossession process are allowed to withdrawal funds to survive and prior to closing their accounts.
Product: Vehicle loan or lease

As consumer and beneficiary the this account I assigned XXXX XXXX XXXX as trustee to handle and close this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Students Loans {$10000.00} Dept of ED/Navient - {$3900.00} XX/XX/XXXX Dept of ED/Navient {$3100.00} XX/XX/XXXX Deptof ED/Navient {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently denied a mortgage, unable to secure a HELOC for home improvement and other necessities. Upon pulling my report, I discovered that my score has dropped drastically due to five months of this account reporting as 30 days late, although I have never once been 30 days late. This has been extremely distressing for my family.