23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

U.S. Bank accepted an application, and ran my credit, for a secondary HELOC underneath my original HELOC although U.S. Bank apperantly has a policy against opening a secondary HELOC underneath the original HELOC, a common practice, that I was not informed of when I applied. 

I have a HELOC with my mortgage holder from 2022 when the equity was much lower. Because I have had past issues with the bank that has my mortgage ( now resolved ), I wanted to try and get a secondary HELOC underneath my original HELOC to access more equity... but with a different bank. 

The reason I chose US BANK is because I've had an account with them since I was a teenager and thought I could trust them more than my mortgage holder. Boy was I wrong.

I noted the HELOC existed in my application with US BANK. 

After my credit was run, I received a note from XXXX XXXX asking if I wanted to consolidate the HELOC. I said I didn't know that was an option but if its possible I would like to make it happen. This would have been the time for XXXX who I was communicating with to tell me that it wasn't an option- it was mandatory. I was asked like it was an option, not mandatory. 

It wasn't until a few weeks later when I said I just wanted to request the lower amount that I had planned to request as a secondary HELOC underneath the first HELOC that XXXX told me that U.S. Bank does not offer that option. 

So, why was my application accepted, credit ran, and why was I given weeks of tasks under the impression that it was an option? 

I asked for a copy of U.S. Bank 's rules stating that they do not accept this and was told " that is proprietary information. '' I asked how I was supposed to know that U.S. Bank has different rules than the federal law if they did not discolose that or provide documentation. I received no response.

Eventually I was connected to the manager, XXXX XXXX I think but I can't remember for sure. When she " looked into it '' she forwarded me the email from XXXX informing me that US bank does not offer secondary HELOCS 2 weeks after my application was submitted and said " see he told you, it's not an issue. '' To which I responded- yes this is when I found out - but it was not disclosed to me at the proper time.

I did not hear back.

To me it is the lack of disclosure, or willingness to disclose when asked that is the problem, as is the failure to remedy the situation in a professional or quick manner. Especially because their response said " because you did not call to ask us prior to your application we won't remove the inquiry .... '' How was I supposed to know to call to ask a question about something specific to US BANK? 

The cover up is worse than the crime, and US BANK is engaging in some nefarious activity and covering it up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, The following letter is to notify you of TransUnion questionable handling of personal information and unexplained charges. 

On XX/XX/18 I requested an annual free credit report from TransUnion. Then on XX/XX/18 I noticed a charge of {$19.00}. 

I called the company 's customer service XXXX ( XXXX ) XXXX and right away they asked for my social security number. I informed them I do not give out my full social over the phone. They looked me up with my last 4 digits, name, and street address. I tried asking why I had that charge on my account and wanted to make sure I was not signed up for any monthly charges, The phone operator did not answer my question and kept on insisting I call another number, XXXX, stating that it is the Transunion Credit Online Monitor. 

I called XXXX number and dealt with a very similar process. I asked if there was a transunion ID number I could provide, but they seemed to really want my SS number. The operator again insisted that I should call XXXX, yet that is the number I called. 

Upon further research it appears that other customers have dealt with unexplained charges as well when trying to receive a free credit report. On TransUnion website I cancelled my plan that I was not informed of having on XX/XX/18. 

It strikes me as odd that the operators did not inform me how to cancel a possible plan, always redirect me to a number even when that is the number I called, wanted my SS number immediately, and charged for a free annual credit report.
Product: Payday loan, title loan, or personal loan

On XXXX XXXX, I was given a payday loan from north star finance llc/north cash for XXXX dollars.. In my state of XXXX XXXX loan lender has to be licensed with the Illinois department of XXXX to give payday loans but this company is not licensed in the state of Illinois to give XXXX payday loans therefore making this loan illegal under Illinois XXXX XXXX XXXX XXXX XXXX of the payday loan reform act ... XXXX XXXX XXXX charged XXXX annual XXXX on the loan which is in violation of section XXXX of the Illinois payday loan reform act which XXXX loans can not charge more than XXXX per XXXX dollars loaned as interest.. as of today 's date I have paid XXXX dollars on this illegal unenforceable loan in the state of Illinois per the XXXX XXXX XXXX XXXX XXXX XXXX XXXX which states this company has no right to collect, receive and principal, interest or charges related to this loan.
Product: Credit reporting or other personal consumer reports

My Equifax credit report is showing a bankruptcy. I have reached out to them several times to remove this inaccurate information or provide proof and have not received anything.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a debt claim made by XXXXXXXX XXXX XXXX regarding an account with the original creditor XXXX XXXX, in the amount of {$270.00}. I believe this debt claim is erroneous and have not been provided with proof of the alleged debt. Under the doctrine of estoppel by silence, as established in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I am presuming that no proof of the alleged debt exists, and therefore, the debt itself does not exist. Despite my requests, XXXX XXXX XXXX has not supplied sufficient documentation or evidence to substantiate the debt. As such, I am requesting that this matter be investigated and that appropriate actions be taken to ensure that my rights are protected under the Fair Debt Collection Practices Act ( FDCPA ) Despite their claim, XXXX XXXX XXXX has not fulfilled the requirements to substantiate the alleged debt. Specifically : 1. Lack of Original Contract or Agreement : XXXX XXXX XXXX has not provided a copy of the original contract or agreement that I allegedly signed, which would demonstrate my legal obligation to repay the debt. 2. Insufficient Account History : The documentation provided does not include a detailed account history that shows the transactions, charges, fees, and payments applied to the alleged debt. A full itemization is necessary to verify the validity and amount of the debt. 3. Failure to Provide Proof of Assignment : If XXXX XXXX XXXX is not the original creditor, they have not provided evidence of a legitimate assignment or transfer of the debt that establishes their legal right to collect it. This includes any documentation that demonstrates a proper chain of title from the original creditor to XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX : XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IN XXXX SIMPLIO LABS , INC . 
XXXX : XXXX. XXXXXXXX XXXX  SIMPLIO LABS , INC . 
XXXX XXXX XXXX # XXXX XXXX, FL XXXX These companies are reporting hard inquiries on my XXXX credit report that I do not recognize. I do not have any open accounts with these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX, XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX 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, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Mortgage

Hi my names XXXX XXXX and I 'm responding to case XXXX again all want is the fair opportunity to get my house back on track and the right to do so under the program 's that 's out there harp and others as I said I sent all docs back and and never heard from anyone at nations star I want save my home I still all the signed copies that sent I just want an honest person to help me and not lie about everything pertaining to my documents being received
Product: Credit reporting or other personal consumer reports

I have a number of inquiries on my Transunion credit report that are fraudulent and needs to be removed as they are affecting my credit. 
Dispute XXXX XXXX inquiry from XXXX XXXX XXXX XX/XX/2023. 
This is a fraudulent inquiry that was not made by me and needs to be removed. 
Dispute XXXX  XXXX inquiry from XXXX XXXX dated XX/XX/2023 This is also a fraudulent unauthorized inquiry not made by me and needs to be removed. 
Dispute XXXX XXXX inquiry from XXXX XXXX XXXX dated XX/XX/2023 This is also a fraudulent unauthorized inquiry not made by me and needs to be removed. 
Dispute XXXX XXXX inquirie from XXXX XXXX dated XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   Report #  XXXX  Following accoutns were reported as fraud, a valid ID theft report was taken and submitted for the following accounts :  XXXX   XXXX   XXXX  Balance {$10000.00}  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  {$7100.00} EXPERIAN   XXXX   XXXX   XXXX   XXXX  {$7100.00}  XXXX   XXXX
Product: Mortgage

I have been trying since XXXX XXXX, 2019 to get the second disbursement of my NFIP flood claim funds. My contractor is out of money and we are trying to get back in our home which was destroyed by Hurricane Florence. 
My loan number is XXXX and tracking number XXXX. 
The company is PennyMac, XXXX XXXX XXXX, XXXX XXXX, Ca. 
XXXX and XXXX www.pennymacusa.com
Product: Credit card or prepaid card

Company cant explain the charges on my account. They informed me that they would start an investigation but when I called a few weeks later I was told there was no record of an investigation being started yet they admitted they were suppose to start on. They charges I found out after doing some research was made in the same state that their company is based. I have proof I didnt make the transactions. It happened on XXXX separate occasions. Once in XXXX and once in XXXX so I decided to close the account so it wouldnt happen anymore. The company/credit card is Avant
Product: Credit reporting or other personal consumer reports

These two accounts appear on my XXXX Report and they do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX account opened XX/XX/23 current balance {$2000.00} - XXXX XXXX XXXX XXXX XXXXXXXX account opened XX/XX/23 current balance {$2400.00} there are also two addresses on the report that do not belong to me
Product: Checking or savings account

Ive had my checking account for over 22 years. I had an unexpected yearly fee get withdrawn from my account for XXXX on XX/XX/21. I was unable to get to the bank to deposit funds on that date resulting in an overdraft. I deposited funds sufficient to cover the amount on XX/XX/21. I contacted Wells Fargo to request the fee be waived due to the circumstances and was denied based on what they said was my past an account sanding etc. I have not had a fee waived in over a year so I do not understand why I was denied for this. My account should be a team member checking
Product: Credit reporting or other personal consumer reports

FCRA 605B appears to require the deletion of any incorrect accounts from my credit report. Can you please examine the documents? Some of the listed accounts have inaccuracies in reporting, including inaccurate amounts and dates.
Product: Debt collection

They are calling almost everyday even I am on the " No Call List '' and telling me to call back for they are from Midwest Fidelity Services and have an important message. Did not called back because I know they are scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I disputed an account on my credit report ( XXXX XXXX XXXX ) to TransUnion, XXXX and XXXX. I got a response stating that this item was verified on XX/XX/XXXX. I submitted another dispute letter, XXXX XXXX XXXX, on XX/XX/XXXX stating the reasons why this account should not be reported on my credit report and to remove it immediately. I also asked for this account to be reinvestigated within XXXX days. I received a deletion for this account on XX/XX/XXXX. This account was permanently deleted off of my credit report on XX/XX/XXXX. As of today XX/XX/XXXX, this same account has reappeared on my credit report when it was previous deleted. I have had this happened to me numerous of times with other accounts I have been disputing over the months as well far as renaming the account but still using the same account number for the account that was already removed as well. Please delete this account, ( XXXX Places Apts ) from my credit report immediately.
Product: Checking or savings account

Complaint : regarding cash deposit machine ( ATM ) Bank name : Old National Bank Address : XXXX XXXX XXXX XXXX XXXX, IL XXXX Spoke to : Community Market XXXX. XXXX XXXX XXXX, VP and Relationship Banker XXXX XXXX On XX/XX/2023 i deposited the amount of {$4000.00}. in cash using the ATM locate at the above address ( ATM ID # XXXX ) but the cash deposited was not credited to my bank account. This usually takes no time to deposit the money because of all the video cameras around you but this time the money got stuck in the machine and the amount was not credited to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureau is in direct violation of Metro 2 compliance, FCRA, and FDCPA.
Product: Checking or savings account

Citibank has taken an opening deposit of XXXX on XX/XX/2020, a mobile deposit of XXXX on XX/XX/2020, and a Payroll direct deposit on XX/XX/2020 for XXXX, now they have blocked my account and wont allow me access to the account, i have called numerous times and recorded all my call and the rep told me since i was calling they are going to hold my funds for 60 days then close the account. I called the Executive Response Unit and XXXX the case manager told me if i filed any complaints they were not going to handle my problem and forward it to legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account with XXXX XXXX XXXX and all 3 of the credit reporting agencies, which are reporting incorrect information such as account charge off whith a balance and late payments. I contacted SLS with a letter of verification of debt, which was sent on XX/XX/2019 via certified mail and recevied on XX/XX/2019. Upon further investigation and retaining new copies of my credit report i noticed that XXXX XXXX XXXX XXXX did not furnish the credit bureaus with the required disclosure within the period required by federal law to place a " Notice of Dispute '' on my account within 30 days of my dispute. On XX/XX/2019 I sent a second letter via certified mail which was recevied on XX/XX/2019, on XX/XX/2019 I recevied a paid in full letter. On XX/XX/2019 I sent letters to all 3 credit reporting agencies along with proof of the account paid in full documents to be immediately remove along with the negative and incorrect information being reported against me. As of XX/XX/2019 Upon further investigation and new copies of my credit report this account remains on my credit report. I'm demanding it to be removed from my credit report immediately.
Product: Money transfer, virtual currency, or money service

I tried to withdraw a sum of XXXX from coinbase on theXX/XX/2018, the withdrawal was supposed to arrive at my bank account on XXXX XX/XX/2018 but has still not arrived. I have contacted the company numerous times to no effect. I have not been given any reason or explanation for the delay. In fact as of now I don't know if I will ever see my money again. The customer service does not have a contact number where you can speak to anyone. The only communication I have had was 48 hours after I raised the issue. The response was that my case has been esclataed. 4 days later I have heard a single word from anyone. I am angry and frustrated and I feel helpless. This is not a fair way to treat anyone especially a customer that has helped the company make profit
Product: Credit reporting, credit repair services, or other personal consumer reports

The following consumer reporting agency : LexisNexis XXXX XXXX Sent my report on the following date by email : Consumer Number : XXXX Case Number : XXXX XX/XX/2021 After reading the report I sent an electronic dispute by email as per LexisNexis instructions ( see a copy of dispute instruction ) on XX/XX/2021, and followed up on XX/XX/2021, since I had not been notified that they had received my dispute or started an investigation. 

Copy of dispute instructions : Q : How do I contact you if I have questions about my report or want to correct information on my report? 
A : If you have any further questions or there are items you believe to be incorrect, you may contact LexisNexis XXXX XXXX via email at consumer.documents@LexisNexis.com or by phone at XXXX. The LexisNexis Risk Solutions Consumer Center 's hours of operation are Monday - Friday from XXXX XXXX to XXXX XXXX. XXXX XXXX. In an effort to protect your privacy and deliver prompt service, please have the numbers located at the top of your report page accessible when you call our support number. 

LexisNexis has been notified 2 times of my disputes of the report number ( s ) referred to above by the electronic means they implemented for disputes and has not acknowledged receiving my dispute of their information and/or that a timely investigation has been started.
Product: Mortgage

I have been living in this home since XXXX, never had an issue with my mortgage company. 

Seven years ago Portfolio Servicing , Inc. took over from XXXX XXXX XXXX, shortly after I was informed of this information I lost my job. I called Portfolio Servicing, Inc., tried to get as much information as I could to help myself. I told them the moment I was unemployed. They gave me information about a forbearance for twelve months. 
I had no knowledge about forbearance and how they worked. This I believed at the time was a blessing! I was lead to believe that at the end of the forbearance for twelve months, a portion of the the arrears would be added to the back end of my loan. After the 12th month the forbearance was over and I was bill {$17000.00}. 
due as my next payment. 
None of this concerning the forbearance was put in written form or any notices to let me know my next payment after the 12th month forbearance was going to be {$17000.00}. I made all of the payments until XX/XX/XXXX, all of the payments after the forbearance were applied to previous months causing me to fall further and further behind.
Product: Credit card or prepaid card

I am unsure of the date I first received a Chase Sapphire XXXX credit card in the mail. I did not apply for this card. I did not activate the card. I later received a statement with a {$95.00} membership fee as the balance due. I called and spoke to two individuals who transferred me to the same department citing that the department was large. The automated phone system asked for my social security number as did one of the individuals. I declined to provide my social security number. I pressed the issue of my not requesting nor applying for a card. I was finally told they would cancel the card and I will receive a letter. I did receive the letter, however, I am dissatisfied with the fact that I would like to see the application that was obviously fraudulent. My credit report also shows an inquiry. I am very dissatisfied about that fact. I don't trust the letter, or anything associated with this incident.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CONTACTED XXXX ON XX/XX/XXXX, ABOUT SEVERAL INQUIRIES THAT HAD BEEN MADE ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE. THE LADY TOLD ME THAT THEY SHE WAS NOT GOING TO DISPUT THEM AND THAT I WAS GOING TO HAVE TO CONTACT THE COMPANIES. I TOLD HER THAT I WAS TOLD TO CONTACT THEM AND THAT THEY WERE TO DISPUTE THEM AND SHE WOULD NOT DO IT. I DON ; T HAVE A CLUE AS TO WHO THESE COMPANIES ARE AND THIS IS JUST MORE OF A REASON WHY CREDIT BUREAUS NEED TO BE INVESTIGATED ON A DAILY BASIS. 
XXXXXXXX XXXX XXXX XXXX RETAIL CARD SERVICES CAPITAL ONE FOR A TOTAL OF 3 TIMES
Product: Credit reporting or other personal consumer reports

Date open XX/XX/ Amount {$660.00} I told them it was all fraud no one got back to me