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

According to 15usc 1692c you have violated my rights by in lawful communication please remove this from my credit report thank e
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, CURRENTLY DO NOT DISPUTE THE FOLLOWING ACCOUNT XXXX XXXX XXXX XXXX IN THE AMOUNT {$1300.00} XXXX XXXX XXXX IN THE AMOUNT OF {$1800.00} EITHER AS REPORTED ON MY CREDIT REPORT OR DIRECTLY WITH THE CREDITOR. I REQUEST THAT THE INDICATION OF A DISPUTE IS REMOVED FROM MY REPORT. IF YOU HAVE ANY QUESTIONS, PLEASE FEEL FREE TO REACH ME AT XXXX.
Product: Money transfer, virtual currency, or money service

I report the case to my bank and a credit was issues of the amount of {$1300.00}. Am amount was took out of my bank account through XXXX XXXX on XX/XX/2020 at XXXX with the amount of {$1300.00} from this individual $ XXXX, I try asking for my money to be sent back from that particular person but I was blocked and declined, so I report the issue to my bank which they credited my account with the amount {$1300.00} but later took the money out of my account because XXXX  and my bank can not reach an agreement after I told them I was scam or fraud. I also reach out to XXXX XXXX but they told me I should contact my bank which I did but still I was not been taking care off. And the fact is if XXXX XXXX can not provide my money because they are the third party my bank should because I report the case and they do absolutely nothing to take care of their customers.
Product: Credit reporting or other personal consumer reports

My husband, XXXX XXXX and I paid off our XXXX XXXX XXXX  Equity Line of Credit Loan ( HELO ) in XX/XX/XXXX. I have repeatedly asked XXXX XXXX XXXX XXXX  and TransUnion to update my credit report concerning this account. I filed disputes with TransUnion in XXXX and again this month, XX/XX/XXXX requesting to update my credit report to reflect the HELOC XXXX XXXX account is paid in full and on-time. I reached out to XXXX XXXX by phone this month XX/XX/XXXX ( once again ) to help correct this credit reporting error. 

I received documentation by email this month, XX/XX/XXXX from XXXX XXXX XXXX Mortgage showing that HELOC account has been satisfied. The document shows the lien was reported to my local county and the lien was removed from my property. I requested that TransUnion investigate and confirm that this account is, indeed paid in full and fully closed by XXXX XXXX XXXX Mortgage since XXXX. My request has fallen on deaf ears for years. This false and inaccurate information has been continuously kept on my TransUnion Credit Report for years causing great damage to my credit score, and financial damage preventing me from acquiring favorable interest rates for much needed home repairs and from obtaining college loans for my children. My house is almost paid off and I have been PREVENTED from applying for a new HELOC loan by this credit reporting error, and also the beneficial credit score rewards of paying off both my former HELOC loan and over 86 % of my house mortgage. 

TransUnion knows that I have an excellent payment history for many years with all of my creditors. Yet, my credit score remains in the extreme low 600 's for YEARS due to many errors that they REFUSE to fix. How can my score be so low after nearly paying off my house since XXXX ( approx. 1 year left of payments ), and fully paying off a {$29000.00} HELOC in XXXX, and no missed payments for all of my other creditors? Why do I always have the extreme low 600 's credit score? ERRORS! 

This will be the last time that I will ask for TransUnion and XXXX XXXX to get together to correct this major error that has been ALLOWED to damage my credit, my personal finances, my family 's ( college ), and my home ( needed repairs ). The next complaint will be higher.
Product: Checking or savings account

Well I'll start by saying I've done this process multiple times with NetSpend and on more than one occasion I was on hold for literally hours before being disconnected or hung up on as soon as I finally get ahold of an actual human being. In which case I have gotten no help from I have made them aware that 1 of 3 cards amounting to about {$7300.00} was stolen and I was told transferred the whole of {$7200.00} to an account and they have not been able to assist me in cancelling, reversing, somehow stop and investigate this for me It was months of XXXX, XXXX, and XXXX of this year when I cashed a check at XXXX XXXX in the sum of {$24000.00} for my house loan finance I recently received and they put my money from that check onto the NetSpend cards amounting to about {$7300.00} now 2 of 3 cards were utilized spent and regular statements were provided it's the 1 card that was clearly stolen and money taken that they are not willing to assist me in recovering or validating my claim with an investigation I told them I have a police report if they need one and not just that but they've terminated me as a customer completely now to where I'm not able to see any of my prior dealings with NetSpend so I would please ask that you help me to make them understand that I have been telling them that my card and obviously the money on it were stolen and jeopardized so please this is money I put on there card services not credit or anything else it's my money they didn't protect and now are not recovering or caring to help me recover from this situation! Please and thank you so much!
Product: Credit reporting, credit repair services, or other personal consumer reports

Companies Involved : Credit Karma, XXXX XXXX, XXXX XXXX XXXX - XXXX XXXX Collection Agency, XXXX/XXXX/XXXX My credit report was obtained via CreditKarma by someone using my SSN, Name, DOB and other information - This account was set up with email address XXXX and my credit report was fraudulently obtained by someone else on XX/XX/2017. CreditKarma does not have a phone number where I can report this fraudulent activity or speak with someone about what information was given out on my credit report and accessed by someone else. The Credit Karma information was then used to open a XXXX XXXX account on XX/XX/2017 ( one day after obtaining my credit report ) in my name and SSN and previous address. The XXXX XXXX account number is XXXX - which was not paid and then sent to collections for {$6000.00}. I realized this account was on my credit reports and attempted to dispute this account and all charges associated. All three credit reporting agencies have denied my requests. XXXX XXXX XXXX - XXXX XXXX Collection Agency / XXXX XXXX Fraud Claim - XXXX. XXXX XXXX denied and completed by fraud claim ( # XXXX ) without contacting me. In order to speak with a fraud agent, I have to wait on hold for 30+ minutes. I have sent the police report to XXXX and am waiting for them to remove the account from my credit report. This XXXX account was apparently able to be created because Credit Karma provided ANY or ALL of my personal information to another person - which they used to fraudulently verify MY identity with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a response to a dispute that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with : Account Number : XXXX - Original Creditor : XXXX XXXX XXXX It saddened me to learn that you somehow Transunion verified the disputed item, electing to leave it on my report. I am certain that the item I disputed is incorrect and should be removed, so I tried to my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my disputes and have gotten NO response and the erroneous item is still on my report. 

Note : XXXX XXXX XXXX was removed from my XXXX  report on XX/XX/2021! 

I am very interested to learn how Transunion 's investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with proof of my signature ; including all names and contact information of employees that XXXX  spoke to as part of this investigation.

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded because of this unfortunate error. Therefore, I request that they DO NOT send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of Transunion via email, fax, mail and on the phone with a representative.
Product: Mortgage

I submitted the application for a mortgage pre-qualification letter to the broker XXXX XXXX XXXX Highly of LendUs in XX/XX/2021. Initially she was very responsive. I told her that I viewed a property that I liked and wanted to know if it qualified for the loan. She completely stopped responding to my calls and text messages for three weeks. I even asked if she stopped worked at the company. Ive never had a professional person just disappear without any explanation in the middle of us working together. I later saw someone recommend her in a XXXX XXXX XXXX group and I responded in the comments that I had a poor experience with her. She heard about my comment and texted me that night saying sorry she couldnt help me. No explanation as to why she disappeared or that she even wanted to assist me. I told her that her apology was dismissive and she did not take any ownership for not responding for 3 weeks during a critical time and her conduct is very unprofessional. She wrote me back that she doesnt have to respond to me. As long as Im contacting her in an appropriate within the context of her job, I would assume that her employer requires that she respond to me as a potential client. 

Im a XXXX woman with XXXX credit score and XXXX XXXX salary. I more than qualify for most mortgage applications. I dont know if her actions had a discriminatory intent but I want to document this experience in case any other people of color experience this treatment from this mortgage broker.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number Date Opened High Credit Credit Limit Terms Duration Terms Frequency Months XXXX  Activity Designator Creditor Classification XXXX XX/XX/XXXX {$XXXX} I have never owned a credit card from them. 

DID NOT AUTHORIZED XXXX 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
Product: Checking or savings account

More details of the event included in the police statement I submitted which is attached and happening in the early hours of XX/XX/XXXX. In short, met a random person on a trip in XXXX, had drinks, etc., ultimately the person asks to go to my hotel room, I oblige. Sometime afterwards, I mention the sun coming up and needing at least 2 hours of sleep, the person asked if they could use my phone to get an uber. I open my phone, XXXX it their direction as I use the restroom, they are still on the phone as I come out - kisses/goodbyes and I go to sleep. Upon waking up, I notice a XXXX charge to XXXX and XXXX to cashapp. Both companies as well as my bank, Regions, were communicated with that day as I asked for them to freeze/stop the transaction and informed all parties it was unauthorized. XXXX agreed with my claims. I spoke with someone at Regions ( I believe it was the fraud department ) that said I could not stop or dispute the claim until it goes from pending to processed but that this should be an easy claim given the details of the situation. I then disputed the claim as soon as I was able to, I believe on XX/XX/XXXX. Believing it was XXXX ' I left it at that until there was a Reg E Reversal posted to my Regions account on XX/XX/XXXX. Upon reviewing my mail I did recieve a letter from them dated XX/XX/XXXX but had no further letter or communication received at the time of the charge on XX/XX/XXXX from Regions. The only communication I had from cashapp was informing me I had to request the XXXX to send me the money back, which they of course did not. I have had a lot of interaction with both Regions and XXXX since the charge was posted on XX/XX/XXXX and believe at this moment my rights under 12 CFR part 1005, 1005.6 ( b ), have been infringed upon. 

Initially phone communication was all I had with Regions. To be XXXX, I'm not sure who's at fault, but I believe Regions should have either held me liable for only {$50.00}, if not {$500.00} for this unauthorized transaction. I am under the understanding that because XXXX submitted a document confirming my phone was used, that Regions ruled in their favor and I have been told I have no recourse other than with the merchant ( cashapp ) because I did not submit anything to Regions. I was never told I needed to and didn't even see the letter saying I could until the reversal hit ... nobody contacted me by phone or email to investigate ( prior to XX/XX/XXXX, but that was more to tell me that it's my/cashapps problem, though I did get them to finally provide me the documentation cashapp sent )... I am a public servant and really been adversely affected by this and their ( Regions/Cashapp ) lack of action and communication. I respect the gov't and their workers but I already created a complaint against XXXX, as you will see, as I don't fully understand this process. I hope this doesn't waste more of your time, you have my permission to lump them together or close it if it lacks merit. I have spoke with 6 different individuals with Regions in the last 3 days and none of them have wanted to speak about 12 CFR part 1005.6 ( b ) in detail.
Product: Credit card or prepaid card

XX/XX/XXXX California State Controller, XXXX XXXX XXXX, sent letter dated XX/XX/XXXX, regarding unclaimed property of {$240.00} held by : Bank of America - Pre-Paid Card, XXXX XXXX XXXX   XXXX, XXXX, XXXX XXXX XXXX, XXXX, DE XXXX. Phone number : XXXX Type of property : AC01 Checking Accounts Amount Reported : {$240.00} Date Reported : XX/XX/XXXX XX/XX/XXXX Called Bank of America - Pre-Paid Card, XXXX XXXX XXXX  XXXX at XXXX to claim property. Rep could not verify my identity on phone said I would need to report to a branch and have the branch call on my behalf to verify my identity via CA DL with current address. Rep on phone gave me a reference number of # XXXX XX/XX/XXXX Went in person at XXXX to Bank of America branch located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Bank representative verified identity and called XXXX on my behalf to verify my via CA DL with current address. Rep on phone gave a second reference number of # XXXX. Told to wait 6 to 8 weeks. 

XX/XX/XXXX Called Bank of America - Pre-Paid Card, XXXX XXXX XXXX  XXXX  at XXXX, to check on status of check. Told to wait 8 weeks. 

XX/XX/XXXX Called Bank of America - Pre-Paid Card, XXXX XXXX XXXX  XXXX  at XXXX, to check on status of check. Spoke to rep XXXX who transferred me to California Pre-Paid Cards department ( EDD ) at XXXX. Told check would be mailed within 6-8 days. 

XX/XX/XXXX Called California Pre-Paid Cards department ( EDD ) at XXXX, spoke to rep XXXX who transferred me to rep XXXX, Post Escheatment at XXXX, who transferred me to rep XXXX. 
XXXX said the check had been cut on XX/XX/XXXX and sent to the previous address, not my current address. XXXX ( rep ) said I would have to change address with the state of California, once address had been changed with the state, then I should call the Pre Paid Cardholders department at XXXX to verify identity and ask for check to be reissued. 
This is the first time a rep has 1 ) told me a check was cut 2 ) the check was sent to the wrong address 3 ) I would need to change my address with the state of California. 

Still unresolved.
Product: Credit card

My 3 credit cards ending in XXXX, XXXX, and XXXX were closed by Wells Fargo without just cause. I had fraud charges on my account when I was on an XXXX XXXX  in XXXX. Wells Fargo advertises a zero fraud liability on their credit card accounts. Wells Fargo would not give an exact reason for the account closures and I called 3 times asking why no letter has been sent to explain why the accounts were closed. This is abusive to me as a customer and against Wells Fargo 's policy. Even though Wells Fargo did not specially state the reason for the account closure is due to the fraud that was on the account, i know this is the reason they decided to close it. Due to Wells Fargo 's terrible decision making, my credit score has suffered and went down more than XXXX points due to my total available credit amounts being lowered and my average age history of my credit cards being less. I have been a Wells Fargo card holder for more than 6 years. I would like the accounts reopened and at the very least my credit reports fixed. Wells Fargo 's decision is negatively impacting my life and my interest rates when applying for loans has now been raised due to these 3 Wells Fargo Credit Cards being closed.
Product: Credit card or prepaid card

" Sold '' a {$10.00} XXXX gift card to XXXX on XX/XX/19 in exchange for a {$7.00} XXXX credit. Website states that I should have received an email with this amount in approximately 1 day, but an additional 1-3 days may be needed around holidays. When I had not received payment by XX/XX/19, I sent them an email asking for an update as their website states it is " In Review. '' After no response, I sent another email on XX/XX/19 and have not yet received a response. There is no way to cancel the transaction on the website and I can not use the card or sell it to someone else in fear that I would be committing fraud.
Product: Checking or savings account

I received and email XX/XX/22 at XXXX am stating this : I did NOT open this account nor approve this account. They used my name, address and SSN to open this. 

TruistLogo Client Name : XXXX XXXX Application ID : XXXX We're happy you're here. 
This is an automated message. Please do not reply directly to this email. 
Here are your new account details. 
Hello XXXX, You're one step closer to reaching your financial goals. Thanks for opening your accounts, we can't wait to start working with you. 

Wondering what to do next? 

Skip the trip, bank from the comfort of home with Truist Online Banking. 

Wherever you go, we go. Bank from anywhere and any device with Truist Mobile. 

Here 's your new account summary : Account ( s ) : Truist One Checking XXXX Name ( s ) on account : XXXX XXXX Questions? Call us at XXXX ( XXXX
Product: Mortgage

On or about XX/XX/2019 I request PennyMac to transfer a copy of my VA appraisal letter to XXXX XXXX for a refinance. Since this time, I have had to contact the company on 3 different occasions to get the transfer approved and authorized so that I can close on a refinance loan with XXXX XXXX. PennyMac is my current mortgage lender and I can not believe that it takes a company 10+ days to transfer paperwork. This has caused me a hardship and frustration. Today 's date is XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020, i submitted my 2nd dispute letter to Experian regarding some questionable accounts that were being reported. they responded back, with what i believe to be a stall tactic or letter, stating that they were '' unable to honor '' my request for a dispute. As per the FCRA, i sent everything needed that identifies me. in addition, they even removed items in the previous month that i had disputed, which is why i believe this is a stall tactic on their behalf and that they do not want to remove items that they know they will not be able to verify.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  had reported incorrect information. XXXX XXXX says that they correct the information with the credit reporting agencies, but my credit report still shows negative information about my XXXX XXXX  credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : account name XXXX XXXX account name, XXXX XXXX, account name, XXXX XXXX ( original creditor XXXXXXXX XXXX.However they stated everything was complete and accurate. 
But how is that possible if the open date, date of last activity and much more is incorrect? 
According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporting correctly.

15 U.S.C 1681 section 602 A.states i have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section : no consumer reporting agency may make any consumer report containing of the following items of information any other adverse.
Product: Payday loan, title loan, personal loan, or advance loan

Im being charged XXXX in late charges, at XXXX a pop for late fees, it means Ive been late 30 times. When was that?
Product: Credit reporting, credit repair services, or other personal consumer reports

Id theft victim hpd XXXX police report number XXXX