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

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

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1976 ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX, FL XXXX TODAYS DATE:XX/XX/2020 Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
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 The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1976 ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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
Product: Credit card

I received an offer to create a Chase Pay Over Time Plan with no fees on the first plan. I called and discussed the plan with a customer service agent named XXXX and was told that even though there was an expiration date, the offer renews and they never charge fees on the first plan. When I was ready to make a big ( $ XXXX ) purchase, I went to set up the plan, but the promotion for the fees to be waived was not there. 

On XX/XX/year>, I called and spoke with another agent told them that I was previously told the promotion would renew, but that agent said that was not right. I asked to speak to a supervisor and was transferred to XXXX. I explained my disappointment that I had been told there wouldn't be fees on the first plan and asked if they could extend the expired offer. She placed me on hold and when she returned, she informed me that she was able to get the extension approved to not charge the fees. I asked if she could set it up for me on her end but she said I would have to set it up on the app. I expressed my concern that on my end it still showed there would be fees, but she reassured me that those fees would be waived. I told her I really needed that to be accurate and she reassured again that the fees would be waived. Only at that point did I create the plan. That phone call was recorded and should be accessed and reviewed as proof of my claims. 

Now the fees are being charged despite XXXX 's reassurance that they would be waived by Chase. I've spoken to multiple agents and supervisors who tell me there is nothing they can do and that they are simply sorry that I was given wrong information. Nobody denies that I was told the fees would be waived, but everyone I speak to claims that nobody has the ability to actually follow through with the promises made by XXXX. I even indicated that I would pay the full balance other than the first month 's fee ( since I have gotten no benefit from the plan ) and even that has been refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
15 U.S.C. 1681 section 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 a account without my written instructions
Product: Debt collection

Per US code 1692c this account is to be deleted. Agency could not provide documentation and was advised to cease and desist all communication
Product: Student loan

On Saturday XX/XX/XXXX I logged into NELNET to validate receipt of my payment from XX/XX/XXXX. I discovered that the previous 22 payments I made totaling {$12000.00} between XX/XX/XXXX and XX/XX/XXXX were no longer viewable under payment history. Additionally, my payoff amount, which was {$35000.00} on XX/XX/XXXX ( the previous Saturday ), increased to {$47000.00} in just 7 days. 

I called Nelnet on XX/XX/XXXX and requested my payment history and told them I have all records proving my payments as well as statements from them showing my payments. They said they did not have access to those records and referred me to the Federal Student Aid Site. They also told me to discontinue payments even though I would continue to accrue interest. 

I logged into the Federal Student Aid site on XX/XX/XXXX and it showed the correct pay off balance of {$35000.00} as well as a correct payment history. On XX/XX/XXXX I logged into Federal Student Aid again and it now matches Nelnet balance of more than {$47000.00} and all payments before XX/XX/XXXX are no longer visible. 

Below is the list of payments I made between XX/XX/XXXX and XX/XX/XXXX with the confirmation number I received from NELNET via email after each payment. 



Payment Effective Amount Confirmation Number XXXX XXXX {$500.00} XXXX XXXX XX/XX/XXXX {$600.00} XXXX XXXX XX/XX/XXXX {$600.00} XXXX XXXX XX/XX/XXXX {$600.00} XXXX XXXX XXXX {$600.00} XXXX XXXX XX/XX/XXXX {$600.00} XXXX XXXX XX/XX/XXXX {$520.00} XXXX XXXX XX/XX/XXXX {$600.00} XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX {$550.00} XXXX XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XX/XX/XXXX {$170.00} XXXX XXXX XXXX {$570.00} XXXX XXXX XX/XX/XXXX {$500.00} XXXX XXXX XX/XX/XXXX {$550.00} XXXX XXXX XX/XX/XXXX {$500.00} XXXX XXXX XX/XX/XXXX {$500.00} XXXX XXXX XXXX {$500.00} XXXX XXXX XX/XX/XXXX {$490.00} XXXX XXXX XX/XX/XXXX {$490.00} XXXX XXXX XX/XX/XXXX {$500.00} XXXX XXXX XXXX {$500.00} XXXX XXXX XX/XX/XXXX {$500.00} XXXX Total {$12000.00} NENET referred me to department of education and department of education referred me back to Nelnet. I have both a confirmation from NELNET of every payment made as well as bank records for each payment. Additionally, since my loan balance jumped from roughly {$35000.00} to {$47000.00} in 1 week it has adversely affect my credit score by XXXX points.
Product: Credit card or prepaid card

My father had a XXXX and we wanted to send him to the XXXX. of XXXX  XXXX XXXX ( known as " XXXX '' ) to address XXXX XXXX caused by the XXXX. Unfortunately, Dad did not feel well enough to attend the program. We had put a down payment for the program on Discover Card. When Dad decided he could not attend, we advised XXXX that he would be unable to attend. XXXX informed us that they had not been paid the down payment because Dad had reported it as " fraud '' on his card. XXXX continues to inform us that they have never received the down payment for his attendance. However, Discover Card insists that the down payment was made through Discover card to XXXX. XXXX advises us that they have never been paid and Discover Card advises us that they paid XXXX. Discover Card is holding my father accountable but as far as we can tell, XXXX never received any funds from Discover Card. Then Discover Card " investigates '' this matter and finds against my father.
Product: Credit reporting or other personal consumer reports

On XXXX I came to the XXXX XXXX XXXX XXXX XXXX to see about getting my smile corrected. I filled out the application with the pay to the order of : XXXX XXXX XXXX XXXX and I signed my name along with my social security number to have procedure paid in full. I discovered on XXXX that XXXX XXXX XXXX conducted a soft pull on my credit report without my knowledge or consent. The date of the transaction was XXXX before I filled out the application which is odd to me. I spoke to a representative of clear choice on XXXX about this situation and he denied that this transaction even took place, He also stated that the only way that can happen is if I asked for funding which I did not. So I made sure I received a copy of the application before I left that day. I sent a letter asking for documentation of the authorization for this transaction that took place and no one has responded to me. I recently had an appointment on XXXX and I was asked about how I was going to pay for the procedure. I had to do an application for Care Credit and my application was denied without reason. Once I signed the application and stated pay to the order of : XXXX XXXX XXXX  XXXX XXXX, I was not supposed to be asked about more payment, especially {$35000.00} worth of payment.
Product: Student loan

Nelnet parent plus loan XXXX/XXXX/XXXX statement : Original principal amount {$7800.00} interest rate 7.9 % total principal payments paid thru XXXX/XXXX/XXXX {$7400.00}. Total payoff amount thru XXXX/XXXX/XXXX {$1400.00}. My next payment due is late XX/XX/XXXX. 

I have called Nelnet several times to find out how this is even possible. I am told that interest is paid first. I know that and I am paying my interest and more than doubling my principal payments. How can I have to pay off more in principal than I borrowed? I can provide statements and payment history for review. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. You have not sent my any verification of those items in the last 30 days. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be deleted immediately I want all the items that were listed in my letter deleted ( XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, ) from my credit report and all hard inquiries except for XX/XX/2019, deleted from my report. Also have them deleted from the three Major Credit Bureaus ( XXXX, XXXX  and XXXX XXXX. This is my last attempt to solve this amicably. You will be served with litigation paperwork if this continues. Please comply with the law so we can avoid the court system. 




I want all the items that were listed in my letter deleted ( XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, ) from my credit report and all hard inquiries except for XX/XX/2019, deleted from my report. Also have them deleted from the three Major Credit Bureaus ( XXXX, XXXX  and XXXX XXXX. This is my last attempt to solve this amicably. You will be served with litigation paperwork if this continues. Please comply with the law so we can avoid the court system.
Product: Credit card or prepaid card

On XX/XX/ 2019 I called into Capital One to make my credit card payment that was due on XXXX XXXX, 2019 at approximately XXXX. I have been charged a late payment charge of {$25.00}. I have contacted Capital One credit card services to resolve this issue and they will not credit me back the {$25.00}.
Product: Checking or savings account

My account was froze charge excess service fees frozen for a while without explanation closed and no funds were sent back to me and and it says there's a charge off on my credit report because of it also they said they close both accounts which I found out not too long ago that the savings account apparently I don't even know where the statements are going or why aren't they coming is still open
Product: Checking or savings account

On XX/XX/2021, my husband I and went to BOA ATM at around XXXX to make a deposit of {$2900.00} to ATM ID XXXX. The ATM took the full amount, shown an error, and returned to normal screen. The money was never credited to my account or returned to me. We stayed around the ATM to make sure the camera captured us.

We submitted a claim, XXXX, and BOA declined the claim twice already. BOA said they SAW us deposit the money in the ATM. However, they did not find extra money in the ATM. What? Does that even make sense?

Let 's not talk about how much money was deposited. The FACT that your camera evidence shows that we brought Cash and deposited some cash to the ATM on XX/XX/XXXX AND you can't find additional cash in the ATM, there were obviously errors related to the ATM. Let me present you with a scenario, when there were errors with the ATM, it is totally possible that someone within BOA, either an employee or contractor, could have stolen the cash when performing reconciliations and knowing such error existed. Let 's say if he/she found cash on the next day, he/she could have taken the extra cash and said the cash was balanced.

Another scenario is that when the ATM is faulty, someone who deposited money next to me could have received an additional {$2900.00} when depositing their cash, making cash balanced at the end of the day. If they get extra {$2900.00} in their account than what they deposited, would they call BOA and say so? I don't think so. In this case, cash would have been balanced, and you wouldn't find additional cash because it already shows as deposits in other accounts.

There were so many things that could have gone wrong when the ATM is faulty. And when you said you can't find record of additional cash, it OBVIOUSLY means that your ATM is faulty. And if your faulty ATM doesn't allow you to do find additional cash, then you must credit your customer because it is your fault for operating a faulty ATM machine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureau XX/XX/XXXX to update this suspicious information. I've talked to the bank & they've agreed to remove the account. BUT XXXX has some internal block which they're claiming they can use to not remove the account because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So XXXX feels they're above the letter of the law & will not explain their policy... 
As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am filing this complaint to TRANSWORLD SYSTEM INC for allowing fraudulent account on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate account is reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to Bank of america to advise them of a someone trying to get a credit card in my name I have repeated sent letters to XXXX XXXX and XXXX also and they will not remove it they said only Bank of america can remove it and they are refusing to do so even through I sent then the proof of the id theft from the idtheft.gov
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting a credit card with me as an authorized user but I have never had a XXXX XXXXXXXX XXXX before
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries listed below from my credit report, pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ). As a victim of a recent data breach, I have confirmed that I did not open these accounts, nor did I authorize these inquiries. I kindly ask that these accounts and inquiries be expeditiously removed from my credit report.

Fraudulent Accounts Please block and delete the following accounts from my credit report : 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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account reporting on my credit report from XXXX XXXX which is saying the balance is coming from XXXX XXXX XXXX XXXX from 2012. I never signed a joint lease with anyone, I have asked several times for a copy of this lease I supposed I signed. The credit bureau is allowing this allow to report on my credit report when it does not belong to me, Please have this account investigated and removed from my credit report. I contact the original credit XXXX XXXX and they are telling me they don't have a lease agreement with me or never had one with me. So I'm not sure where they are getting this information from. Please remove immediately. Thanks, XXXX
Product: Debt collection

XX/XX/XXXX of XXXX I was made aware of a collection on my credit report in the amount of {$140.00}. The collection agency listed on the report is I C Systems, so I reached out to them to find out what this debt was for. The person I spoke with asked me to verify my XXXX & my XXXX. As well as for my first and last name to verify my identity. So when she asked me my name I had spelled my last name out, which at the time was XXXX. Once she seen all my other personal information matched for the most part, she informed me that not only was my last name on the account incorrect. It was a last name I've never had! But she still told me that the original debt was from XXXX XXXX, and that because my last name was incorrect ; she couldn't move forward with providing me any other information. As well as she couldn't even let me resolve the balance due to the incorrect last name on the account. I did dispute this collection through my XXXX XXXX app & the only thing I know about the result of the dispute is what it says on my credit report. Which is " Dispute resolved ; reported by grantor. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed three ( 3 ) credit accounts with CHASE Bank. two accounts have been a year since it was closed. None of the three accounts are showing closed on equifax. This is showing XXXX in revolving credit affecting my credit score and the possibility of securing a future home loan.

CHASE has done this out of habit and nothing seems to get their attention.