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

Hello, I am XXXX ears old, control my own finances, have an A+ rating with my banks, and enjoy decent fico scores with XXXX  and XXXX  that reflect my methodic attention to managing debts and credit. 

It came to my attention that Transunion has on my score ( much lower than XXXX  and XXXX  ) a list of pros and cons to justify their rating. I contacted Transunion, first on-line and than through written correspondence. Both efforts failed to have them address the specifics that will be provided here with attachments. 

First : My on-line effort resulted in ( I was not properly informed ) being enrolled in a monthly XXXX XXXX XXXX. I quickly had that reversed. The points of my on-line dispute I filed were not properly addressed by Transunion. Mainly they content I have late payments on a recent account, a bankruptcy, Not enough installment accounts on time, and not enough of a credit history. All four of these items are either false or outdated and should ( according to law ) be removed from consideration. 

I have searched your complaint log and discovered Transunion has a significant number of similar complaints. Over XXXX i also found several recent complaints through a search of reviews, the bulk complaining that Transunion uses an algorithm and not actual humans when responding to on-line disputes.

Second : I drafted a comprehensive letter ( See Attachment ) outlining my concerns and received back a response that stated my letter is " illegible '' and that they could not determine the nature of my request. The letter was sent Certified through USPS. I have the receipt.

It appears that either the Transunion response staff is highly negligent or incompetent or both. It further appears that Transunion, the gate keeper of people 's financial credit scoring, have a vindictive, lazy cultural when it comes to correcting or updating their records. 

If this is happening to me it is surely happening to many others. It is incomprehensible how blatantly this entity that wheels incredible power can be so callus in their dealings. 

Respectfully yours, Concerned Consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

I wanted to start building my credit because I am close to the age where I am going to start wanting to purchase big things. I've been applying for several different credit cards and been getting denied from each one. I received a letter in the mail from the most recent credit card I applied for stating that I was denied because of derogatory items. I was confused because I have never even applied for many items and the one credit card I had i paid for it and had the account closed. I decided to pull my credit and there are a couple of uknown items that do not belong to me. Please remove these fraudulent items from my report. I have been a victim of identity theft. XXXX XXXX {$130000.00} XXXX XXXX {$140.00} XXXX {$87.00} XXXX XXXX {$90.00} XXXX XXXX XXXX {$14000.00}
Product: Credit reporting

The resolution of the previous complaint was in my favor, and equifax reported the proper XXXX balance on my credit report. However, I checked my credit report again, and the original incorrect balance is posted back up again, three months later. Apparently, equifax forgot that they agreed to report the proper balance of XXXX dollars. I want this fixed as soon as possible, with the same resolution ( XXXX balance reported and not currently charged off ). 

Original Complaint is as follows : " Fell behind on debt, and XXXX issued me a 1099-c and forgave the debt. Included 1099-c forgiven debt as income on taxes 3 years ago. Recently, this supposed debt to XXXX popped up on credit report. There was a past due balance on the credit report. Filed disputes with all three credit reporting agencies, and after several disputes and sending all of them a copy of the 1099-c showing that the debt was forgiven, both XXXX and XXXX changed my credit report to properly reflect a XXXX balance on that account ( XXXX still refuses to stop reporting a balance on the debt to all XXXX reporting agencies, even though it was forgiven ). However, Equifax has refused to make the appropriate changes even though I have submitted all the information and the copy of the 1099-c. Equifax told me over the phone that they basically report anything that XXXX tells them to, even if it is false information. They said they could not change the report, even when there is concrete evidence that the debt was forgiven. This is absolutely not true. I warned Equifax that if the information was no updated accordingly ( Equifax has a legal duty to report the truth after their investigation, not just anything that XXXX tells them to, regardless of veracity ), I would contact the CFPB, and they would be able to sort this mess out. I have documentation of the 1099-c, a copy of the letter I wrote them, and a copy of the Equifax investigation result, which did not change anything. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found multiple hard credit inquiries on my report that I did not recognize nor authorized. 

Inquiry : XXXX I never authorized XXXX to pull my credit in the month of XXXX 2017. I am not sure how this improper use of my credit happened. I always believed my credit was safe from this type of abuse. My only thought is that these are fraudulent inquiries.
Product: Credit card or prepaid card

I have received a letter from XXXX XXXX stating that they have lowered my credit limit to {$1200.00} from {$1700.00} after I made over {$750.00} in payments to bring the card back to an even debt/credit ratio. I am trying to improve my credit score, and as a result of this action, they are actually doing massive harm to my efforts. This is unfair and uncalled for. My credit score was worse when I got this card 2 years ago than it is now, and yet they're punishing me after I made them large payments to bring this account current. Further, I have called and asked to speak to a supervisor repeatedly and they hang up on me every time I try. This is unacceptable!
Product: Mortgage

Original XXXX payment calculated at {$2200.00} at home purchase date of XX/XX/XXXX. XX/XX/XXXX prorated annual tax payment of {$2500.00} made from Escrow account. 
Upon incorrect review of escrow by company payment lowered to {$2000.00}. 
upon annual review of escrow in XX/XX/XXXX the company ( XXXX XXXX / Lakeview ) incorrectly viewed annual property taxes as {$2500.00} which they paid in XX/XX/XXXX not understanding that XX/XX/XXXX payment was a prorated payment of 4 months taxes from XXXX when the home was purchased. 
In XX/XX/XXXX XXXX XXXX / Lakeview claimed to refund {$5700.00} from the escrow account as a " Surplus Refund ''. They did not. I never received such a payment. 
XX/XX/XXXX XXXX XXXX / Lakeview paid the annual property taxes of {$7200.00} putting the escrow account into deficit according to them. The incorrect tax calculation caused a reduction of the PITI payment in XX/XX/XXXX to {$2000.00}. 
XX/XX/XXXX XXXX XXXX XXXX from XXXX XXXX / Lakeview claims a {$6200.00} escrow shortage and raised the monthly mortgage payment by 50 % to {$2900.00}. 
I called them around XX/XX/XXXX to correct the problem. They claimed they would return the non-received escrow payment of {$5700.00} to escrow so that it could be applied to the shortage. A new payment of {$2500.00} would be required and I would receive an updated escrow review. The updated escrow review from XX/XX/XXXX lists a required payment of {$2900.00} and does not list the escrow non-received funds of {$5700.00} as being returned to the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX A All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Personal Loans Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXXXXXX Credit Card XXXX XXXX 
Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX CRE All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX. 
XXXX Credit Card XXXX. 
Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX BANK XXXX All Banks Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX All Banks Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX XXXX XXXX  All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX
Product: Debt collection

XXXX XXXX sent a debt to collections that I do not owe. National Credit Services attempted to collect and posted it to my credit report and is now being unresponsive when trying to get the posting reversed. I have filed a dispute with all XXXX credit bureaus.
Product: Money transfer, virtual currency, or money service

I received an email from Western Union on XX/XX/2021 to confirm my email address to complete an account registration and a second email with a PIN to use. I did NOT open a Western Union account. The email was address to " XXXX XXXX '' but is using my email address. I have attached screenshots for your reference.
Product: Checking or savings account

I purchase a car with 2 debit cards one didnt have enough money on one them to complete the transaction and the other made the difference when I Disputed the transaction it did not go through the investigator stated not enough documentation on the second debit card  after I contacted the bank about the amount I wanted to dispute on the transaction 2nd time and I did not have a problem with XXXX  XXXX XXXX they returned the bulk of money owed after investigation {$5600.00} but Regions Bank would not return my money to my account after I disputed it 2 times {$1000.00} they needed more proof the proof is a receipt that I paid and the car was returned to the dealer and I wanted my money refunded back Regions investigator claim not enough documentation so it would not be lot Of documentation because I paid right then and the next day disputed this transaction because of fraudulent practices and charges on my card By this car dealership and the vehicle was not working I dont believe anyone should have your money and what you purchase too violates your right as a consumer also I believe the debit card fee should be fair after return of purchase
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, 2020, CITIBANK NA., BEST B add a hard inquiry on my credit report per XXXX  . No contact information has been reported by this creditor. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting

The only XXXX I have ever had in prosperity WV is XXXX There is another listed on my report that is not nor has it ever been mine. Also, there are numerous hard inquires that are not mine. XXXX is not mine as well as several others!
Product: Payday loan, title loan, personal loan, or advance loan

I had an account with the company Credit9 INC that I paid the negotiated balance more than 3 years ago. On repeated occasions I have disputed this account on my credit report, but to date the account continues to appear with an incorrect status.
Product: Credit card or prepaid card

On XX/XX/2022, I mailed a check to pay off my account in the amount of {$950.00}, the check was endorsed on the back by XXXX Bank and cleared my bank on XXXX XXXX. That amount has not been credited to my account. In fact, on XX/XX/2022, they applied a {$30.00} late fee to my account. I have made numerous phone calls and sent numerous emails about this error and have not gotten a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Enclosed in this identify theft report are two fraudulent reports and three fraudulent inquiries. 
Please delete these fraudulent information from my account.
Product: Credit card

On XX/XX/XXXX I received a denial letter in the mail after filling out an application on line with American Express Card Company. After reading the terms and conditions on the back I called the underwriter department and asked them to send me in writing that I had gave them written consent to obtain my personal information from a third party company. They failed to acknowledge my request. I also informed them that I had pulled their prospective form along with their XXXX and XXXX filings which they didnt not abide by. I also reiterated that I gave them an application which is an security and in return I required for them to Issue me in exchange a Credit Card. I was transferred to an Manager on duty and was informed that they received my credit score from XXXX XXXX and with that Information I was not approved for a card. I Know that they violated my Consumers Rights along with Trust Indenture Act of 1939 ; Securites Act of 1933 ; Securities Exchange Act of 1934 ; 15 usc 1681, 15 usc 1682.
Product: Credit reporting or other personal consumer reports

XXXX XXXX now calls my complaints duplicates meaning a confession I have an account there as early warning and XXXX both have said. My identity has been stolen at XXXX XXXX XXXX XXXX XXXX  by fake doctor and fake computer professor XXXX XXXX fake XXXX XXXX and XXXX currently pending XXXX. Now after stealing my XXXX card over 20 years a State employee XXXX XXXX XXXX XXXX his name I am told at XXXX XXXX XXXX is now off my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters about some items on my report. I have not received any response back. I feel like my letters are being ignored. This is very frustrating and this is causing me unnecessary XXXX. I have done my part and followed the law but I have not been awarded the same courtesy from the credit bureaus. I request a response and demand for these items to be immediately removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report for updates, I found 6 accounts that were listed as in dispute by consumer. The previous report weeks before did not show this. The accounts listed in dispute were NEVER disputed. The accounts are also duplicate accounts. 
I have disputed other errors on other accounts but NEVER these listed accounts. The accounts in error are XXXX XXXX duplicate reporting XXXX Never disputed and always in " Good Standing ''. XXXX XXXX XXXX  XXXX Same as above. XXXX XXXX XXXX Never disputed Always in good standing. These accounts are also beyond the legal statute for reporting. 

Last month these accounts reported positive! 
I have started the legal process seeking damages.
Product: Money transfer, virtual currency, or money service

I have an account with Coinbase and have XXXX Bitcoin in my wallet ( {$2300.00} approx ). On XX/XX/XXXX, XXXX Litecoins ( {$3500.00} USD ) were purchased without my knowledge or authorization. 

I contacted Coinbase customer support and they opened a case ( # XXXX ). They told me to change my password and then temporarily disabled my account so I have not been able to access my funds or verify the {$3500.00} purchase. The funds have been debited from my bank account. 

On XX/XX/XXXX, customer support sent an email -- they determined the purchase was made on my mobile device. Since, I 've removed the Coinbase app from my mobile device and changed all passwords. 

On XX/XX/XXXX I contacted customer support to unlock my account but they said it required an " analyst '' but had not been assigned yet. ( This does n't make sense since they determined the purchase was made on my mobile device and they had the IP address. ) To date, I 've received no communications ( phone or email ). I do not have access to my funds which now exceed {$7000.00}. I try to contact customer support but the wait time is over 30 minutes. Most times the line is cut after getting a customer support person on the line. 

I 'm very concerned that the price of Bitcoin and Litecoin may drop suddenly given the volatility and would like to cash out ASAP.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete the accounts and inquiries listed below from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and these items were fraudulently opened or conducted in my name without my authorization. 
The fraudulent accounts and inquiries are as follows : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

recently opened an account with TD Bank, XXXX  XX/XX/XXXX and the clerk reassured me that I would have access to my funds as early as XXXX business days after my deposit cleared. The funds cleared Monday, XX/XX/XXXX and I was recently advised that they would not be available to me until XX/XX/XXXX. This company FAILED to inform me that as a new customer, they would hold any deposits for a period of XXXX business days, if the CLERK informed me of this and not withheld this information I would have made a better decision to bank with a local community or credit union. These were payroll checks, it is XXXX and now I am stuck in a position, where I can not go food shopping, get gas, pay my mortgage, feed my animals.
Product: Mortgage

I closed on the purchase of my home on XX/XX/XXXX. I made my monthly payments in full and on time per the mortgage note to the loan and beginning on XX/XX/XXXX. In XX/XX/XXXX Cornerstone Home Lending requested that I make a payment of {$5000.00} due to an escrow shortage as a result of an error Cornerstone made at closing whereby they did not set up the escrow account correctly. They claim that the right amount of escrow for taxes were not collected at closing and along with the monthly mortgage payment and they requested that I make a payment to clear the escrow account shortage and to cover a shortage that would exist at the end of the year in XX/XX/XXXX when the property taxes come again. Out of fear of any problems, I sent a check for {$5000.00} because the agent I spoke with at Cornerstone said that any issues I had could not be sorted out via the Servicing department and that I needed to contact the Loan OfficeXXXX the originated my loan. As I recall, this call was recorded. I do not agree that I have to contact Originations for a Servicing issue even if the Originations team was responsible for the company 's error. In fact, upon contacting Servicing to explain that I was not in agreement of paying {$5000.00} to eliminate the escrow account shortage I was basically told that there was nothing that Servicing could do to help research and resolve the error. Due to a very serious family emergency, I decided to complain to the CFPB once I had the time to do so to have the Cornerstone research and resolve the escrow account shortage issue. I am finally submitting this complaint to the CFPB, which is long overdue. Since the error occurred when the Originations team was setting up my escrow account, Cornerstone should have caught the error and taken appropriate action to correct it so the account would be set up correctly at closing. They did not do so. Cornerstone needs to own up to the error and make me whole for the error causing the escrow account shortage. Why should I be responsible for clearing an escrow account shortage created by Cornerstone 's error? I do not feel it is my responsibility and I ask that Cornerstone resolve this matter immediately and make the appropriate adjustment to refund/reimburse my escrow account for the dollar amount of the error. Also, I believe inaccurate projections were used to complete my escrow analysis for tax year XXXX as the analysis provided represents an increase in my monthly payment of {$330.00} per month. My monthly payment ( PITI ) were {$2400.00} and the payment was increased to {$2800.00}. I also received an Annual Escrow Account Disclosures Statement dated XX/XX/XXXX that shows that no escrow payments were received in the month of XX/XX/XXXX when I made a full payment ( XXXX ) that month as per the note to the loan. I request a complete review of my escrow account from the date of origination to the present date to locate the error made at origination, correct any errors made since originate to finally arrive at error resolution. I have little faith that my escrow account is being managed correctly by Cornerstone Home Lending.
Product: Credit reporting or other personal consumer reports

I am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ) Section 611 ( B ) regarding the reinsertion of previously deleted material into my credit file without proper certification of accuracy and notification to the consumer as mandated by law. There is a fraudulent auto loan by XXXX XXXX XXXX - ( PARTIAL ACCOUNT NO : XXXX .... ) was opened under my name without my knowledge and I am asking to block and delete this fraudulent account because I have no knowledge about this account. It is a fraudulent account.
Product: Consumer Loan

Santander Consumer and I came to an agreement in XX/XX/XXXX to have my XXXX and XXXX payments deferred to the end of my loan. They failed to follow the set agreement. Then on XX/XX/XXXX Santander had my vehicle repossessed even though payment was not due until XX/XX/XXXX. The company that Santander hired to repossess the vehicle did not let me take possession of personal property that was in the vehicle as well. They refuse to provide me with documents or notice of intent to repossess my vehicle at address that was listed on file which starts the repossession process in Texas. Then they failed to provide me with a notice of intent to sell. No notice was sent to my place of residence on file nor did they call to inform me of intent to repossess/sell. Santander sold the vehicle without me having a chance to retrieve personal items or make arrangements to gain the vehicle back. Santander sold the vehicle and then left me with negative remarks and reporting to credit bureaus. There actions have did irreparable harm and damage. They still have refuse to provide info on intent to repossess and intent to sell from XX/XX/XXXX.
Product: Vehicle loan or lease

25 CFR 11.417- Extortion 18 U.S Code 1348- Securities and Commodities Fraud False Claims Act XXXX XXXX. XXXX Upon purchasing vehicle requested that I give them cash and a shotgun for down payment. Stock XXXX XXXXXXXX VIN : XXXX As you can see from companies comment on credit report there were no late fees. XXXX was unnecessary, even after this occurrence, the vehicle was no longer in my possession and I was charged insurance of over {$300.00} dollars. Insurance company and loan company are all-in-one. 

At this time all I ask is that this account be removed from my credit immediately.