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

TransUnion Credit Bureau illegally gave my credit report and  credit score to a   company I had no credit with, while I had the credit freeze in place. On   XXXX   XXXX   XXXX    , I pulled my credit report as part of annual review. I noticed  XXXX   XXXX  had pulled my credit report with Permissible Purpose stated as : COLLECTIONS. I never had any credit with  XXXX   XXXX , so I called TransUnion on   XXXX   XXXX   XXXX   XXXX   to fix the issue. They kept transferring me to different person and a few times they hung up on me. I finally requested a  manager an d she indicated, " do n't worry, it will go away  in two years a nd no one can see it ''. I told her do you want a copy of the report so you can see the word collection on it. I told her it will interfere with my employment check and she indicated, since this is a soft pulled we ca n't help you. She indicated I should file a stolen credit report with local police and they indicated the report was n't stolen since I had gotten dental work with them. They stated I need to go to court and then take that information to the credit bureau. Transunion can remove the word collection, if I get the police report, while at the same time they told  me it ca n't be removed, well which it. What good is the money I paid Transunion for credit freeze, i f they do n't enforce it and even worse they lied to me and I thought I was protected.
Product: Student loan

Regards, I refer to claim XXXX, which was closed by providing a generic response that was never notified on the portal or sent by mail. Right now the COVID emergency was extended until XX/XX/2022 without charging interest and without payments. I have loans with several companies and Nelnet is the only one that is billing me interest as of XX/XX/2022. XXXX account says {$96.00} I share the images extracted from the Nel net portal. I await an answer according to my complaint, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the company to make arrangements and inform them that i would be slightly late on my payments for XXXX and XX/XX/2021 due to loss of wages due to covid. They seemed sympatric and informed me to pay as soon as possible and they would not report this as a late payment but as a hardship, but still the late payments were reported on the credit. I am currently up to date despite my hardship and currently applying for a new apartment to rent and this information is hindering my report. I would like the late payments forgiven and my profile updated.
Product: Debt collection

I have contacted and tried to resolve the issue with Portfolio Recovery Associates in the matter of credit card and other misc debt that has been opened under my name and information. This company states that they have sent mail in regards to this issue however I have yet to receive a thing. I tried contacting them directly via email to see if they can send the paperwork, however I am not getting any responses after their initial 'We need to make sure this email is secure ' email they sent where they had me reply back an 'I Agree ' to continue communications. Well this was sent on Wednesday and I have yet to hear back. I have sent an email to them on Friday stating " I need to know if youll be responding to my emails. Ive already sent an I AGREE response and havent heard a thing back. I can always open up a complain again but I decided to give you a try by contacting you directly. '' I need to dispute ALL charges that are tied with my social security number including but not limited to ( accounts ) : XXXX XXXX : {$990.00} XXXX XXXX : {$620.00} XXXX : {$340.00} XXXX XXXX : {$220.00} Total : {$2100.00}
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Debt collection

The account to XXXX XXXX  XXXX is Not Mine My credit report is affecting me a lot
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I MAILED IN MULTIPLE DISPUTE LETTERS TO Each Credit Bureau VIA CERTIFIED MAIL. EXPLAINING AND SENT IN INFORMAL DOCUMENTS THAT THERE WERE MULTIPLE HARD INQUIRIES ON MY CREDIT REPORT THAT " WERE NOT AUTHORIZED '' BY ME NOR DID THE COMPANIES HAVE MY CONSENT TO PULL MY RECORDS! I ALSO CALLED All 3 CREDIT BUREAUS MULTIPLE TIMES AND THE CUSTOMER SERVICE REPRESENTATIVE STATES THAT THEY HAVE TO STAY ON MY CREDIT REPORT FOR 7 YEARS EVEN THOUGH THEY WERE " NOT AUTHORIZED BY ME AND FRAUDULENT ''! LACK OF EMPHATY FOR CUSTOMERS!
Product: Credit reporting or other personal consumer reports

I was notified XXXX XXXXXX/XX/2024, that Transunion lowered my credit score by XXXXXXXX XXXX. I called them to obtain details as to exactly why they did that, and received no information from the agent I initially spoke with. He refused to provide information about the basis for the change, said he didn't have it and no one could provide it, then gave me generic possibilities, none of which were applicable. I then escalated the complaint to a supervisor, who said her name was XXXX, who was not in the US and was difficult to understand. She was also very dismissive of the the request for detailed information about the basis for the drastic reduction in my XXXX XXXX. She also stated no one there had the information and it couldn't be obtained. She stated generally that scores might not reflect for up to 6 months activity that could cause changes. I stated that all account balances have only decreased, that I following my activity very closely, and there was no reason for that kind of drop. I expressed concern about significant error or fraud on Transunion 's part as a monopoly with no accountability ( as was obvious from this call ) and demanded to speak to her supervisor. She refused to escalate the call. 

It is completely outrageous that this company, and likely XXXX and XXXX, can get away with making drastic, negative changes that affect people greatly without any explanation of what they are doing, and no accountability. 

I want to know EXACTLY what factors went into the calculation ( s ) that caused a XXXX XXXX decrease in a credit score because, as above, that can not be explained by any action I have or haven't taken, raising real concerns about error, corruption, and/or fraud by Transunion.
Product: Debt collection

I purchased all 3-credit reports from XXXX, XXXX and XXXX after being denied lending for a home loan in XXXX of this year. I sent a validation of debt letter to Portfolio Recovery Associates, LLC ( PRA ), XX/XX/XXXX requesting them to validate the debt within 30-day or delete the account from all credit bureaus. 

In return, on, XX/XX/XXXX the company ( PRA ) just sent me a letter/ bill for {$3900.00}. The letter also stated the account open date of XX/XX/XXXX for XXXX XXXX XXXX. 

On XX/XX/XXXX I sent a follow-up letter to PRA stating that the letter sent to me was not proper validation of debt per FDCPA. Again, I requested for them to delete this account from all credit bureaus. I did not receive any further correspondence or validation of debt from PRA. 

On XX/XX/XXXX I sent a final notice providing them proof of inaccuracies ( inaccurate balance, inaccurate payment history, inaccurate open date and no notice of dispute placed on my credit reports. Also, reminding them of the violations of not validating the debt per FDCPA. I demanded that they remove this account within. 

This company is blatantly violated my rights, purposely held my credit hostage and  hindered me from purchasing my new home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize this company to make any inquiry. Please validate this information. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security Number. 

XXXX XXXX inquired my credit report on these dates : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I locked my credit report and received a letter from Equifax describing how to unlock the credit. They have changed the process without noticing me and now I find out that I am unable to unlock report without sending them additional information and wait an unreasonable amount of time. They were unhelpful on the phone today ( XX/XX/XXXX ).
Product: Checking or savings account

I had made a cash deposit at a Bank of America ATM using my Bank of America debit card. This cash deposit amount was  XXXX  on  XXXX / XXXX /  XXXX  . I was depositing this cash to my Bank of America checking account. I immediately noticed there was an error with the transaction only after inserting my cash into the ATM. I had been given no opportunity to cancel and/or confirm the cash deposit amount of {$460.00}. Instead, my debit card had immediately been ejected along with a receipt showing incorrect transaction information. The amount on this receipt was {$17.00}. Clearly something went horribly wrong. I notified the bank and filed a claim immediately. I was told by a representive of Bank of America who was reviewing my claim that the ATM had indeed been experiencing hardware issues and was in fact malfunctioning on   XXXX    . However they would not admit any responsibility. They would not acknowledge the possibility that this " malfunctioning '' Bank of America ATM had malfunctioned when it erroneously calculated my cash deposit of {$460.00} for the incorrect amount of {$17.00} on  XX/XX/17   . I attempted to resolve within the financial institution having complete confidence knowing I am the victim and that they would honestly investigate this transaction and return the cash. Bank of America would not correct this ATM transaction at all and the customer service representatives handling the claim would treat me horribly when speaking over the phone.
Product: Debt collection

Now XXXX have I disputed these XXXX accounts ... I was the victim of identity theft and I have submitted the police report and decision letter by the Social Security Administration issuing me a new social security number to both XXXX and Trident Asset Mgmt. I 've exhausted Over 2 months with disputing these XXXX inaccurate records and they still have n't deleted the XXXX accounts from my credit report. I have provided all required by FCRA to show proof of identity theft from which I suffered. They have also blatantly lied to XXXX XXXX or XXXX has conceded without proper investigation into the inaccuracy of these accounts XXXX and reported that I had never directly communicated with them, and even ... that they had no contact information for me. I can provide mail from Trident Asset Management that verifies contact initiated by me and their response. Now this company is feigning lack of contact information for me. Their conduct is a direct violation of the FCRA and at this point I 've suffered irreparable harm as a direct result from the XXXX accounts remaining on my credit report. They have even defrauded CFPB by reporting that they had no contact information for me ... and further, that I had n't communicated with them directly.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card
Product: Credit reporting or other personal consumer reports

Upon diligent review of my credit file, I've noticed XXXX XXXX XXXX Account XXXX is illegally reporting to my credit file. According the IRS a charge off is taxable event and therefore is considered income and should not be reporting to my credit file. Furthermore, a charge is a certificate of indebtedness and should not be reporting to my credit file. We are NOT questioning or requesting account verification with the data furnisher. I, XXXX XXXX XXXX a federally protected consumer hereby REVOKE, CANCEL and OPT OUT of ANY and ALL authorizations I may have given  XXXX XXXX XXXX, written, unwritten, verbal and non-verbal per 15 usc 6802. As well as per 15 usc 1681 permissible purpose. Please note on the credit file XXXX XXXX continues to report despite selling the account to another company. Further furnishing of my non-public personal information is a continued violation of my Federally protected rights which will result in arbitration.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXl account no. XXXX ..... 

is not mine do a complete re-investigation XXXX account no. XXXX .... is not mine XXXX account no. XXXX .... is not mine XXXX  account no. XXXX .... is not mine XXXX XXXX account no. XXXX .... is not mine does not belong to me
Product: Credit card

for three weeks I had been assured problems were solved. Three times I was told that it would be done in 24 hours. It was not. I had over 20 calls with customer care and the management of the store. I wasted hours, getting disconnected several times when I asked for a supervisor. XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XXXX I accompanied my XXXX friend on a vacation in XXXX because she had no one to go with. We we to XXXX XXXX XXXX XXXX in XXXX. She told me she had a presentation to go to, being extremely tired I didnt want to go but she was weak and needed the assistance. When we got to the presentation that started off with one rep, we were fed mimosa on our empty stomachs. The presentation went on for a while with us and I still had no full understanding of what this person was trying to convince my friend to do. We ended up being transported to another location where there were 3 other people awaiting our arrival. They then focused their attention on me the guest. With more drinks offered, I engaged in this because I was hungry and my friend was exhausted. They were so relentless in their pursuit that they convinced me that this is not a timeshare but a vacation club that could be canceled. I took the bait and signed a tablet. Gave them my credit card. Because I wanted us to escape the pressure and feeling intoxicated but mostly because my friend 's XXXX effects was rearing its ugly head. When I returned to the States I tried canceling 2 times without success. My final attempt I was told 30days had passed. So I am not even aware of I owned. I havent taken a trip to any resort since I was tricked and misled. Now they have me reported to the credit bureau. My friend XXXX XXXX has XXXXXXXX XXXX months after that ill fated trip.
Product: Credit card or prepaid card

1/ On XX/XX/XXXX, a purchase of {$4000.00} was made on my Amex XXXX XXXX for a month-long stay at a long-term rental in XXXX XXXX. 

2/ At the time, I was in XXXX XXXX and I did not make this charge. I also did not have access to the card as I had requested a new, different card that had updated styling ( rose gold as opposed to gold card ). The charge was made without my knowledge and I did not have possession of the card at the time the charge took place according to records. 

3/ I was unaware that I was not liable for fraudulent charges, so I reached out to the merchant asking for a refund. They explained to me that the charge was made for a non-refundable room. They would not make any exceptions given that I did not make the charge, and encouraged me to reach out to my credit card company. 

4/ Given how shocked I was at this charge ( which is 3x my monthly income ), I tried to dispute the charge as opposed to requesting a fraud investigation. I was unaware that these were wholly separate processes. Given that it was a dispute, and that it was an " unrefundable account, '' I claimed that I had gotten a XXXX XXXXXXXX and due to force majure, I would not be able to attend the booking, seeking some type of protection. 

5/ It was not until I called one of the American-based representatives explaining the situation that they explained that this was not a dispute case, but a fraudulent case, but that because I had disputed it initially, it would be difficult for me to process my case in my favor. 

6/ The merchant 's supporting documents show my correspondence with them, but they also include an invoice. This invoice only has my correct first and last name, but does not include my correct email address, mailing address, IP address, or phone number. This should be adequate evidence to put the case in my favor as a fraudulent charge. The address and IP listed a residence and country code of XXXX. 

American Express is choosing to side with the merchant. It has been roughly 9 months since the original charge, and I am seeking government help to recitify this issue.
Product: Money transfer, virtual currency, or money service

In XXXX of XXXX, I purchased a wig from XXXX XXXX ( a wig company based out of XXXX ). I used AfterPay to pay for the purchase of the wig which was {$150.00} in total. AfterPay paid XXXX XXXX and I was to pay AfterPay four payments of {$39.00} debited from my checking account. The first payment was debited on XX/XX/XXXX, the day I ordered the wig and the next payments were scheduled for the following days : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I received confirmation on XX/XX/XXXX, the wig was out for delivery. I then received another email on XX/XX/XXXX saying the wig was delivered at XXXX XXXX. I went to check for the delivery but there was no package. I immediately reached out to AfterPay and XXXX XXXX and AfterPay opened a dispute but closed it 24 hours later stating they are not responsible for loss or stolen merchandise. They suggested I work with the merchant, XXXX XXXX. XXXX XXXX responded and asked me to file a claim with XXXX and I did. XXXX provided me case number XXXX for the package that was delivered. Tracking # XXXX and stated someone would contact me. No one ever did. Due to the poor customer service provided by XXXX XXXX I cancelled the order and demanded a refund to which they refused. I then cancelled the card AfterPay had on file and disputed the initial charge with my bank. AfterPay has never completed a charge back to the merchant but they continue to seek payment from me for a wig I never received. They even referred it to a collection agency and the only reason they pulled the matter back is because an attorney from legal shield wrote them a letter. I have no problem of paying for merchandise when I receive it but XXXX   delivered the wig to the incorrect address. If you look at the tracking number they have a picture of the location where they dropped it at. The picture uploaded doesn't look like my property. Please note that my bank agreed with dispute and credited me the initial {$39.00} back to my account that was debited on XX/XX/XXXX.
Product: Mortgage

I have been making {$1300.00} payments on my loan for over a year now. my monthly payment is {$610.00} the additional money is supposed to be applied to the principal balance. This month they have changed that and they are making my payment for 2 months and are leaving {$66.00} in a partial payment acct. Now they are saying I do n't have a payment due till XXXX. This creative application of my payment is costing me double interest. if my payment was applied as it normally is my balance right now would be {$43000.00} with my next payment being due on XXXX XXXX instead my balance is XXXX XXXX a partial payment of {$66.00} and my next payment being due on XXXX XXXX. This is a {$440.00} in the banks favor, and if it continues it will be adding months of payments to the back of my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX Date Opened : XX/XX/2020 Balance : {$360000.00} and XXXX XXXXXXXX Date Opened : XX/XX/2020 Balance : {$380000.00}.