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

I needed to remove a credit freeze on my credit report with TransUnion on XX/XX/XXXX or XXXX XXXX ( don't remember exact date ). I contacted them by phone. And, they asked me a bunch of questions to identify me including : 1 ) Name and address ; 2 ) Birthdate ; 3 ) Social Security number. 

Next, they asked me if I had a PIN. I never had a PIN with TransUnion. And, I said so. Then, they asked me a couple of security questions. And, here were two of those security questions : a ) In XXXX on this specific date ( i.e. XX/XX/XXXX XXXX, you applied for a credit card limit. What was its limit : i ) 0 - {$1000.00} ; ii ) {$1000.00} to {$1500.00} ; iii ) {$1500.00} - {$2000.00} ; ... v ) {$3000.00} and over.

b ) In XXXX on this specific date ... remaining of the question structure was identical to a ). 

When asking those questions TransUnion did not provide any information on the name of the creditor that I had applied for credit ( bank, dept. store, etc. ) After the very first question, I told the  TransUnion rep how could she expects me to remember such an event dating back over 4 years ago? She simply answered " well that is how our systems are set up. '' I answered, that this was really absurd and unprofessional. 

After the second question, I was now baffled that she would ask me the same type of question expecting me to recollect a mundane event in greater detail with virtually no information provided about the event ... and an event that occurred nearly 20 years ago. I told her that such practice was just not right and that I was going to file a complaint about it with the CFPB. 

Based on the above, after this lengthy and torturous phone call I was unable to remove my credit lock with TransUnion. Even though I did not incur any direct damages, I really want the CFPB to force TransUnion to change their system of security-questions that as described is completely absurd. No normal person could pass these types of test.
Product: Debt collection

For the past year I have gotten calls from a so called debt collector. They say they are representing XXXX. Of which I'm a current member in service. After contacting XXXX they verified I only have 1 account and it's current. 
I've tried stopping these calls but they continue. 
XXXX says I don't owe them And offered to change my number for free But they contact me on all my numbers. 
This is harassment.
Product: Credit reporting or other personal consumer reports

I'VE BEEN A VICTIM OF IDENTITY THEFT BY WAY OF THE 2017 XXXX DATA BREACH AND THE 2024 DATA BREACH. I HAVE NOTICED SOME UNAUTHORIZED ACCOUNTS ON EACH OF MY CREDIT REPORTS THAT I DID NOT BENEFIT FROM. I WOULD LIKE TO HAVE THESE FRAUDULENT ACCOUNTS THAT HAVE BEEN DISPUTED, TO BE REMOVED FROM MY REPORTS EXPEDITIOUSLY. THESE ACCOUNTS ARE HARMING MY CHANCES AT OBTAINING A CREDIT CARD OR A CAR LOAN.
Product: Credit reporting or other personal consumer reports

This is to follow up in regards with the ongoing issues related to my credit report, specifically the inaccurate addresses and unknown inquiries. Despite my numerous attempts to address these inaccuracies, this letter marks my 16th effort to resolve the matter. Each time, I provided detailed information, including supporting documentation to substantiate my claims. Despite these efforts, the inquiries remain unresolved, which continues to negatively impact my credit score and financial standing. The inquiries in question were not authorized by me. I have repeatedly requested their removal, yet they remain listed on my report.I trust this provides sufficient proof to rectify these issues promptly. Kindly help me help Investigate the unauthorized inquiries listed on my credit report. and remove all inquiries that were not authorized by me. Please note that under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate credit report. The continuous failure to correct these errors is a violation of my rights under the FCRA. Kindly help me remove the following items immediately : XXXX Dincennes XXXX 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 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: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me.

All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail.

In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report.

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I get phone calls and letter for a collection agency trying to collected money for bills who I did n't know was on collection. I get multiples phone calls treated me of jail. I never received a bill for the previous company with an amount to paid. I want this harassment to stop immediately before I request some compensations for this issue. I am on DO NOT CALL list and still get call from collections who used difference number to get me answer. The name of the credit card account was Kay Jewelers who already closed my account on XX/XX/XXXX as charged off and tried to get paid again by putting me in collection.
Product: Debt collection

On XX/XX/XXXX XXXX XXXX XXXX continue to call and threaten me and my family about account that was opened on XX/XX/XXXX. The company states that I own {$1000.00} I have no idea what this for and I didn't have an account with them are the company that they are representing. This has been placed on my credit report and I have disputed it multiple times asking for the original signed copy of our contract. But XXXXXXXX XXXX XXXX refuse to provide and it continues to get verify on my credit report as accurate information.
Product: Debt collection

To whom it may concern, Following on from a number of issues with GM Financial and continued deception in the collection of an outstanding balance of {$4600.00} On XXXX separate occasions they have attempted to collect incorrect amounts as follows. 

1. On the XXXX of XXXX, XXXX and XXXX they requested {$1000.00} with 12 payments of this amount showing as owing in their system. 
2. In XXXX they requested {$60.00} and showed XXXX payments of {$380.00} owing from the month of XXXX. 
3. In XXXX they requested a payments of {$330.00} being past due and an amount of {$1900.00} owing on the XXXX ( Exhibit A attached ) I have received excessive phone calls up to twice a day everyday for weeks and left messages on a daily basis requesting payment when the account was in good standing so therefore GM Financial is attempting to collect a debt which were at the time not outstanding I have spent hours on the phone to get this corrected and they have now come up with a figure of {$180.00} of which I have already scheduled the first payment. 

I continue to make every effort to resolve this and GM Financial continues to request the incorrect amount. I have no issues with the correct payment of the amount however given their multiple attempts to collect more than what is owed I would like the account to be removed from my credit file. 

I have discussed the matter with XXXX a " Consumer Complaints Specialist '' at the GM Financial corporate office and have been unable to get a satisfactory response to multiple emails sent requesting the account be deleted. 

I feel GM Financial are in breach using unethical methods to collect incorrect amounts which has led to false and misleading statements and incorrect credit reporting.
Product: Checking or savings account

On XX/XX/22, i initiated XXXX external transfers from my Ally account to a previously Ally authorized external account ( XXXX XXXX XXXX XXXX ). The first transfer posted and deducted money from Ally on XX/XX/22 and posted at XXXX. The XXXX transfer deducted on XX/XX/22 from my Ally account but has NOT posted at all at XXXX as of this complaint date XX/XX/22. The third transfer just fell out of Ally 's system as they suspended my external XXXX transfer account. Numerous calls lasting 30 mins - 2hrs with 30+ mins of hold included, have resulted in being told that Ally cancelled the XXXX transfer and suspended my XXXX account but still deducted the funds from my account. They claim to be researching and to be putting the funds in my account but have not done although they admit taking the funds and NOT transferring them.
Product: Checking or savings account

UMB bank first approved my application ( XX/XX/2020 ) for the checking account with the promotion offer, but later on locked my account with no reason. I already transferred {$600.00} into my UMB checking account, and the lock makes it impossible to access my cash in the UMB account. The online rep is extremely rude and told me there is nothing they can do. 

My name : XXXX XXXX. 
Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MI XXXX XXXX : XXXX Checking account number : XXXX
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 items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX OH XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$820.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$90.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$350.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has failed to send dispute results and is reporting the following items inaccurately ( see below ). 

ACCOUNTS XXXX XXXX XXXX XXXX inaccurate US DEPARTMENT OF XXXX XXXX inaccurate COLLECTIONS XXXX XXXX XXXX {$240.00} not mine XXXX XXXX XXXX XXXX {$420.00} not mine XXXX XXXX XXXX XXXX {$660.00} not mine XXXX XXXX XXXX XXXX {$870.00} not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax is showing XXXX XXXX on my Credit report.. I have never had an account with XXXXXXXX XXXX and the credit bearues refuse to remove them
Product: Vehicle loan or lease

The company Wellsfargo Dealer services continues to withhold funds over the 120 day threshold they claim they have with North Carolina consumers, which is of my refund of {$290.00} or more... 

XX/XX/2021 the XXXX was canceled in writing. The loan was paid off prior to Wellsfargo receiving the check in my name from the dealership ; the check should have been sent back to the dealership in NorthCarolina, instead Wellsfargo stole the money and kept it without cause and refuse to release the funds, although it's well over 120 days, and XXXXdays past their 120 day rule.
Product: Credit reporting or other personal consumer reports

dispute an inaccurately reported collection account on my credit report. Upon reviewing my credit report, I found that there is a collection account reported by XXXX XXXX XXXX for the original creditor XXXXXXXX XXXX XXXX ( Account Number : XXXX ) that is inaccurately reporting an open and past due amount. This account is negatively impacting my good name, character, and ability to qualify for new credit, and I believe it is in violation of the Fair Credit Reporting Act. 
Details of the Inaccurately Reported Account : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, Ca XXXX XXXX Original Creditor : XXXX XXXX XXXX Account Number : XXXX Inaccuracy : The reported open and past due amount is inaccurate as of XX/XX/year> I request that you investigate this matter promptly and delete this inaccurate information from my credit report in accordance with the Fair Credit Reporting Act. Additionally, I believe that the furnisher of this information, XXXX XXXX XXXX, is an unreliable source. 
Enclosed are copies of relevant documents supporting my dispute, including a statement from XXXX XXXX XXXX confirming that the account has been settled and is not open or past due. 
Thank you for your immediate attention to this matter. Please provide me with written confirmation once the investigation is complete and the necessary corrections have been made to my credit report. 

15 U.S.C 1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 section 602 A. 2 also states a consumer reporting agency can not furnish a account without my written instruction 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Sincerely, XXXX XXXX
Product: Mortgage

THIS COMPLAINT FILE IS RELATED TO THE " FEEDBACK ACTION, '' PREVIOUSLY FILED AND RECENTLY CLOSED COMPLAINT NUMBER : XXXX This file is related to the official reply from Champion Mortgage, to the Consumer Protection Financial Bureau ( CFPB ), which Champion Mortgage submitted upon my Mothers original formal complaint to the CFPB. 
Champion Mortgages reply here is the same as a Deposition. Champion Mortgages reply here admits to violating XXXX XXXX Regulations. 

Champion Mortgage 's reply completely ignores and does not address numerous important answers to the questions which I am alleging against Champion Mortgage for breach of contract. 

XXXX XXXX mortgage regulations requires that the initial insurance proceeds disbursement shall be 33 % of the entire amount of proceeds in escrow account to XXXX XXXX. In the reply letter attached here, Champion Mortgage admits that they did not pay 33 % of the proceeds to XXXX XXXX. 

XXXX XXXX  regulations require that Champion Mortgage shall make all insurance proceeds check payable only to XXXX XXXX if she obtains a Massachusetts and XXXX of XXXX Waiver Exempt Document. In the reply letter attached here, Champion Mortgage admits that they forced XXXX XXXX to have check written payable to XXXX XXXX XXXX XXXXXXXX, XXXX In the original complaint file to the Consumer Financial Protection Bureau, XXXX XXXX introduced a demand letter directed at Champion Mortgage citing Massachusetts Law and XXXX XXXX  Regulations related, now in two reply letters, Champion Mortgage cites XXXX XXXX  ' as their rebuttal. This action is breach of mortgage contract by Champion .Mortgage.
Product: Vehicle loan or lease

Car loan was re-financed with XXXX XXXX and GM financial is still reporting that my account is open with them on credit report. They are also reporting two late payments on my credit report, which they were just moved to the end of the loan. I called twice and still can not get this resolved. It is impacting my credit profile and dropping my credit score. 

Gm financial needs to report to all credit bureau 's that the account is closed, paid in FULL, and they need to update the bureau 's that there were not late payments. If not corrected within 30 days, I will seek legal action.
Product: Checking or savings account

On XX/XX/XXXX I requested Wells Fargo Bank for a wire transfer of {$100000.00}. 
Transaction Reference Number : XXXX. They said money should be received within an hour and of course there was {$30.00} processing fee. 
Rest assured I left the bank. 
That night, checking my account online I notice something strange : My account showed a withdraw of {$100000.00} and at the same time a credit of {$99000.00}. I was puzzled and confused! I called the XXXX number, wells Fargo customer service. I was told that money was sent and any problem should be solved at the branch level, but branch was closed then. 
The next day the receiving agency called and said that they have not received the funds. 
I went to the branch and talked to the branch manager : XXXX XXXX. He said that there was no problem and money was in fact was sent. I insisted that he would look at my bank account on myXX/XX/XXXX and I showed him the credit of {$99000.00} to my account. He seemed to be puzzled too. I told him that my receiving agency called and said that they have not received the funds. 

He then proceeded to cancel the transaction and tried to send the money again and assuring us me and the receiving agency, XXXX XXXX, on a conference call that the money will be there within an hour. Once again, I left the bank. 

Hours past, our morning turned to and afternoon, aboutXX/XX/XXXXXXXX XXXX called again to inform me that they still have not received the transfer of funds. I was driving out of town, I had to cut my trip short and rush back to the bank again. This time the manager assigned the task to a banker name XXXX XXXX. He proceeded to cancel the second transaction and send the transfer again, Transaction Reference Number : XXXX. I waited for the confirmation of transfer from the receiving agency. An about XX/XX/XXXX she called and said we have not received the money yet and they have to have it by the end of the day by XXXX XX/XX/XXXX. 
I then put the bank manager and XXXX XXXX from XXXX XXXX on a conference call again. She requested because we lost a lot of time, then if possible that the bank would issue a cashiers check? So that I physically take it to their office. Bank manager reluctantly agreed, and I had to rush the check driving 30 miles out of my way to its destination. 

Reason for complain : Each time Wells Fargo debited my account {$100000.00}, there was {$30.00} processing fee. In making correction they credited my account with {$99000.00}. I am short of {$100.00}. Wells Fargo takes a position that US Bank ( receiving institution ) has deducted the money. 

I am however not responsible for Wells Fargo employee 's incompetence in completing a simple wire transfer. Twice they debited my account for {$100000.00} and credited {$990000.00}. In doing so they shorted me {$100.00}. when I asked for correction, they then reversed the last {$30.00} service fee. 
My account is shorted of {$70.00} and should be restored with {$70.00} credit. 

Thank you
Product: Credit reporting or other personal consumer reports

Have inquiries on my account that i don't have no clue about! Please remove.
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 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

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the XXXX credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be fixed and updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2022 I was contacted by an agency presuming to be " XXXX XXXX XXXX '' from XXXX XXXX XXXX, XXXX XXXX, CA. They were threatening legal litigation and a garnishment of wages if I did not settle on a XXXX debt for {$2500.00}. They stated they sent us a letter in the mail, which never came. They also quoted both my wife and my social security numbers. They asked for payment information to settle this debt and when I paused, they stated they could send me an email to send me this information. I then received an email to sign a document assuming this debt, which I did not sign. When I asked further questions, they became upset and asked if I was an attorney. I then hung up with them. They proceeded to call my wife and she ignored the call. Then they deleted the document I was to sign and threatened to see me in court. I saved the document before it was deleted and will provide it below. I created a cease-and-desist letter and replied back to their email. I received a reply stating they would not read the email and not to reply, though the original email states that was a good email to send questions to. I called them and asked for a mailing address, and they asked " Why? ". I told them it was to send a cease-and-desist and they told me they would not provide one and disconnected the call. I called back several times and they blocked my phone number.
Product: Checking or savings account

I opened up a savings 360 account with the bank I was promised some good interest rates but every time I look at my account the rates are goin lower and lower. It doesnt seem like Im actually getting anything it started of as me actually earning with the bank but now its seems like Im loosing interest? 
Which is weird I thought interest goes up not go down. Nothing was said to me by the company. I also had a strange incident where I wasnt notified that the bank was sending me a new card. The bank was declining big purchases of mine even though the funds, were available in the account I called to make sure everything was okay and the bank said it was no suspicious activity going on in my account. I never called the bank to send me a new card I was just sent on.