23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

This company Transunion has fail to remove inquiries from my credit report after recent deletion occurred. I have submitted documents sent to Transunion via certified mail return receipt over 30 days ago. I have call this company in reference to this matter several times. The FCRA permissible purpose section, states that creditors must report the reason for file review of consumer credit report such as ; auto loan, credit card, line of credit, charge card, mortgage and etc. Aside from the following inquiries being re-inserted back on my credit report after deletion. The inquiries does not state the reason for file review. Therefore they have no just cause for remaining on my credit file.
Product: Money transfer, virtual currency, or money service

All my personal accounts was closed after more than 20 years with well Fargo. 
The reason they gave me is that I was using my personal accounts for business money services. So they closed all my accounts without notice and put all the remaining balance on hold. Usually when a bank closed an account they send a check with remaining balance. This wasn't the case my money from personal account is on hold since XXXX. 
Everytime I go to a branch, banker oriented me to loss and prevention. Very frustrating situation. 
I contacted a lawyer about the situation, he advised me to file a claim with CFPB first to see if the bank can resolve this situation without further legal escalation. 
We are allowed to cash check since we are a branch of XXXX XXXX XXXX. 
Attached is the license from XXXX XXXX XXXX XXXX XXXXXXXX. 
Ga license # XXXX NMLS # XXXX
Product: Credit reporting or other personal consumer reports

I previously notified you that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. 
Enclosures : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting an account under credit cards/credit lines when it is not revolving credit, but an installment loan. The inaccurate reporting has caused my credit utilization to be higher than what it really is. I am demanding that Transunion update the following account and move it to the correct category on my credit report or I will follow up with an invoice for compensation for violation of FCRA regulations. 
XXXX XXXX
Product: Credit card

I paid the full statement balance of {$240.00} on XX/XX/year>, and as of today XX/XX/year> the available credit limit has not reflected this amount. I called today at XXXX and the agent I spoke with stated that a hold was placed because of irregular payment pattern ( minimum payment vs full statement balance ), and that the hold will not be removed until XX/XX/year>. XXXX informed me that there is no way to override the hold. The bank already took my money from my checking account a week ago! First, I do not understand why a hold would be placed on a payment so low that is less than {$250.00} ; it's not even {$1000.00} so to deem this suspicious is beyond me. Second, the agent was dismissive and claimed a complaint can not be filed from their end. I'm not sure how XXXX runs their back office but how can a bank improve their service if their agents fail to escalate issues? If that's not the case, then the agent should be coached for not following escalation procedures.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. er FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items immediately 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: Credit reporting

XXXX cable charged my account with incorrect charges for products I did not order and removed some of the billing information from my account but did not remove all of the charges and continued to charge me late fees for said billing errors resulting in incorrect balances due. Customer Service was not at all helpful in resolving the dispute nor providing confirmation that balances. I closed the account, returned the equipment and the closing bill was not accurate because it reflected charges from the previous incorrect billing that was not resolved. I have years of documentation.
Product: Debt collection

An account was fraudulently opened under my name with a company called XXXX XXXX. I disputed the item and got it deleted ( see attached ) but XXXX  still reported it and has debt collectors harassing me. If the debt was deleted due to a dispute, no debt collector has the right to stamp my credit report with bogus information. I ask you to please defend my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have legally changed my name in XX/XX/XXXX and for some reason Equifax has not gotten this information. I have submitted a dispute ( confirmation number : XXXX ) on XX/XX/XXXX, included all required documentation Equifax request, and the dispute is still " Under Investigation ''. The data they have on file has not been updated since XXXX, bank records, morgage records, credit and loan information is all completely outdated. This dispute is the third one I have filled with Equifax, it seems that company is unwilling to update their information.
Product: Mortgage

In XXXX of XXXX I purchased a new construction home at XXXX XXXX XXXX XXXX  in XXXX CA. in XXXX of XXXX. The builder was XXXX XXXX and I went through the builder to save money on the closing costs and use his mortgage company which was Wells Fargo Home Mortgage. Went through the closing process without any issues, put down the XXXX XXXX down payment but Wells Fargo issued me an ARM which I did not want but, I wanted the XXXX fixed mortgage, but Wells said I would not be approved for a XXXX conventional loan. I checked other lenders and all they wanted to give me were interest only loans with extremely low payments. So, I signed the ARM mortgage with Wells Fargo figuring I could refinance in a couple of years with a XXXX conventional loan. I moved into the house on XX/XX/XXXX and my interest rate was around XXXX XXXX and remained low until XXXX of XXXX when my rate increased to XXXX XXXX. Wells Fargo had called me in XXXX and XXXX saying my interest rate was going to sky rocket and I need to convert to a XXXX conventional loan before XX/XX/XXXX, So I applied to change my loan with Wells Fargo to a XXXX fixed loan and they did not approve me for the loan. I complained to Wells Fargo but they did not change their minds and I ended up switching my loan to XXXX XXXX XXXX.
Product: Debt collection

I was contacted by Southwest Credit Systems LP, regarding a non existent debt. I informed the representative that there is no debt and requested they forward me the source documents. What I was sent was far from a source document. These tactics are tantamount to extortion.
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$33000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$3800.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX XXXX {$12.00} XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 602 A . States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am not linked to the listed creditors, and I did not authorize these inquiries.
Product: Consumer Loan

My wife and I needed a vehicle but due to our financial situation we had to get our loan through Regional Acceptance Corp based at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a subsidiary of BB & T banks. We paid the amount of the loan {$440.00} every month, but due to other financial situation we ended up having to declare bankruptcy. We decided to keep the vehicle as the asset we could retain, in lieu of the house, as per the bankruptcy proceedings. Our lawyer stated that we could delay payments on the vehicle, But I Repeat, we did not delay or defer any payments to XXXX XXXX prior to, during or after the bankruptcy proceedings. XXXX XXXX however locked us out of our account on the internet and informed us that we now had to send the payment to XXXX Bankruptcy Dept. XXXX XXXX XXXX XXXX XXXX XXXX which we did each and every month. We have not received a statement from XXXX XXXX XXXX for over 48 + months. We have sent to them along with our payment check our new address and our new phone numbers when we moved from XXXX to XXXX, but we still have n't received a statement. We inquired about this several times and still received no answer about this, we did receive a phone call from a person named " XXXX '' from their bankruptcy dept. that we could not refinace the vehicle loan but that our payment would not have any late fees attached if they received the payment at or before the XXXX of each month. 
Our loan was for six years and should have ended in either XX/XX/XXXX or XX/XX/2016. It is now XX/XX/XXXX, we have not received the title to the vehicle or a statement. 
Are we suppose to pay for this vehicle for eternity or what?
Product: Credit reporting or other personal consumer reports

I see that XXXX, XXXX, and Experian are reporting multiple XXXX XXXX XXXX accounts reporting somewhat negatively on my consumer report without my consent. I have attempted months ago prior to this complaint to call and send in a letter stating that Per the FCRA as a federal protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802. I still see that it is on my report even when it shouldn't have been to begin with considering I never gave permission or consent to report this on my credit report. Under the Privacy Act of 1974 it clearly states, No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. Also, 15 USC 1681b states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. According to the Fair Credit Reporting Act 15 USC 1681a-4, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ''. XXXX, Experian, and XXXX are all consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information ''. Also, I see a lot of transaction history being reported including the high utilization that's being reported but according to 15 USC 1681a-exclusions, report containing information solely as to transactions or experiences between the consumer and the person making the report. Then 16 CFR 313 - Privacy of Consumer Financial Information, helps back my point that all the transaction history is illegal to report and should not be reported on my credit reporting 's from what 15 USC 1681a section states. Every company in their agreements with consumers said they would follow the law and agreed to do so. They are aware that they are breaking the law and continue to do so daily with prior knowledge of the law they agreed to uphold for the benefit of the consumers and to not undermine the public confidence which is essential to the continued functioning of the banking system according to 15 USC 1681a-1.15 USC 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and Experian are not maintaining reasonable procedures.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a home and this company name Corelogic is housing inaccurate public records on my report. I called asking them how they review the information and was inform they can not provide the information. Then was advise they will dispute it with the company whose provided it. Til this date I have not got anything supporting the accuracy of the public records. Only thing they can say is it has been verified but did not show me any proof or finding to show how its accurate.
Product: Mortgage

On XX/XX/XXXX Chase returned a check for {$750.00} that is automatically withdrawn from our check account every 14 days. We called Chase numerous times to find out why the check had been returned and Chase that they had no record of this and then sent a letter stated that we were late on our payments. Then also reported it to collections after telling us that we didnt owe anything. This again happened on XX/XX/XXXX and XX/XX/XXXX. This has been an on going issue since XX/XX/XXXX and we have not been able to resolve the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

At the top of COVID 19, I was unemployed and looking for work. I informed Capital One that I was unemployed and unable to submit payment for my monthly bill. During this time, all credit companies were told not to make any late payment remarks against credit accounts as many Americans were unemployed. Capital One still reported 3 months of late payments- XXXX, XXXX, and XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account makes no sense at all, it's been charged off why are you still reporting. what day was the last activity on this account? They post payment i have not made .illegal
Product: Mortgage

I purchased a newly constructed home in XX/XX/XXXX. My added assessment tax bill issued in XX/XX/XXXX was for 9 mo. My new lender raised my payment {$600.00} per month because they are basing my final XXXX tax bill on the 3rd QTR Added Assement bill. I have spoken to them 3 times. I have sent them the tax bills and assessment letter from XXXX XXXX showing my completed assessment but they will not fix the escrow analysis and correct my payment. I can not afford to pay {$600.00} extra a month because they are estimating my taxes {$3500.00} higher than they actually are. I dont know what to do. I shouldn't have to refinance a mortgage to fix an escrow problem. They will not let me speak to the tax company who prepares the analysis but no one at the mortgage servicing department seems to understand how taxes are billed in NJ. What can I do. this is a complete hardship
Product: Checking or savings account

On XX/XX/2024 I submitted a dispute for {$1400.00}. The bank claims to have conducted an investigation. I requested documents used in the investigation and the bank has failed to provide those documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I needed a temporary release for my credit reports, this was for a refinance of my home. Experian has this " policy '' concerning the release/temporary release of a credit freeze I placed on my file a little while back. Unless I " subscribed '' the the new Experian credit monitoring service ( XXXX a month ) there was no way to get a temporary lift on my credit freeze. Unless I paid them the " fee '' the only way to get a release on my file : 1 ) download and print release form. 2 ) fill in dates of release and sign form. 3 ) include copy of picture ID with form ( nothing gets returned ) 4 ) send all items to Experian via SNAIL MAIL. After they receive everything then they will put a temporary lift on my file. I was talking with the mortgage company when I was SURPRISED by this. I needed lifts on my credit within 24 hours not 7-10 days. I will not pay to have access to my credit history. If a reporting company will not allow instant access for free to all consumers then they should not be allowed to control this information.
Product: Checking or savings account

Mom died XX/XX/XXXX. Dad, next of kin/beneficiary, is XXXX  and not up for XXXX until XX/XX/XXXX. Dad signed PoA to me, their son. Dad was payee to Mom 's life policy, a check dated XX/XX/XXXX in the amount of XXXX . Dad asked me to use the PoA to deposit the check in order to pay off the house where my grandmother and grandfather, both retired, my two younger brothers, and I live, so that we would be taken care of. Our ages are XXXX, XXXX, and XXXX. I opened the account, depositing the XXXX $ check with the following bank on XX/XX/XXXX : BB & T, now Truist, XXXX Branch, XXXX XXXX XXXX XXXX, XXXX Georgia XXXX. I had the PoA ready in case they needed it, but no one asked for it. Now BB & T has opened the account in my name but has frozen it and will not allow me access to the funds due to their bank policy, because my dad does not have a BB & T account. In the meantime, the check has cleared on the payor 's end so there is nothing they can do to help resolve this issue. During this time I drove to the XXXX branch several times to speak with the branch manager who was never available, called BB & T, my mom 's insurance company, and her insurance agent to help me resolve this issue. After a visit to the XXXX Branch on XX/XX/XXXX, it seems like the local branch had stopped even trying to resolve this issue. Finally, I called the corporate office on XXXX, they told me I would either have to get a lawyer or wait for my dad to get out of XXXX  in order to access the funds. But the account is in my name, so I am not sure how that will help. It has been well over 30 days, and BB & T is no closer to resolving this issue. It is possible they just don't know how to resolve my issue, is there anything you can do to help?
Product: Debt collection

The Bureaus Inc is attempting to collect a debt from me that is a result of identity theft. Also The Bureaus Inc has no license to collect debt in the state of Illinois. Which is in violation of Illinois Collection Agency Act 225 Ill. Comp. Stat. 425/2
Product: Credit card or prepaid card

Citi Bank AAadvantage card. I opened a CC from Citi to use for work travel. A couple days later they blocked transactions and said they couldn't verify my identity. I have literally called 10 times and have asked to provide everything I can to help, to no avail. In addition, they mentioned they sent a letter via snail mail to my home, in which I've never received. I can't close the account nor even use the card at this point. Help!
Product: Debt collection

Apparently Aargon " bought '' this in XX/XX/XXXX per my credit report. 

I do not recall seeing any notification from them and definitely did not speak to them about any issue or claim. My first knowledge of them was seeing a debt collection on my credit report, which was reported in XX/XX/XXXX. 

The prior collection agency never provided me any correspondence after I asked them to verify the debt as it is not valid well over a year ago. The file should have been closed. 

I believe Aargon consciously and unscrupulous violated the Fair Credit Reporting Act by not giving notice ( as they know from the file the debt is not validated ) and reported to the credit bureaus.
Product: Credit reporting or other personal consumer reports

XXXX XXXX To Whom this may concern, I am writing to Correct My personal information on file with your company. 
Please update my only address and remove all other addresses as they are not recieveable to me usps I dont know who these addresses belong to remove all other addresses and update my address
Product: Prepaid card

I updated a change of address with the US Postal Service on XX/XX/year>. I contacted my old apartment complex ( located in XXXX ) and explained to the receptionist that my card from EDD may have been sent there by mistake. I was told that if it came I would be notified. I never received a phone call or my card in the mail so I called Money Network and discovered on XX/XX/year> that {$420.00} was withdrawn from a XXXX XXXX  in Arizona. Money Network has not communicated anything in regards to the replacement of my funds. When I called the customer service representatives refused to verify my account on more than one occasion with correct and valid information. I was asked to verify my last deposit for " security measures '' and told I was incorrect and the call was disconnected, employees are facetious and completely dishonest. The app they provide to access account information is also bogus and will not allow you to connect your card to it and says " invalid account information '' - it's my SSN! Complaint was filed with the US Postmaster on XX/XX/year> reference # XXXX. Police report was filed with the XXXX Police Department on XX/XX/year> case # XXXX.