23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I submitted a request to recalculate my income-based repayment ( IBR ) amount in XXXX 2017 to FedLoan Servicing ( FLS ). I did this because my AGI had changed since my previous calculation of IBR. This normally takes 7-10 days, but for some reason it took almost a month. However, I did get a new amount at the end of XX/XX/XXXX( approx. {$310.00} ), and was issued a bill at the beginning of XX/XX/XXXX to be autodebited XX/XX/XXXX. Then, a few days after I had gotten the bill, I got notice that my IBR amount had changed. When I logged in, not only had it changed for {$410.00}, but they had placed all of my loans on administrative forbearance. This was entirely without notification or my consent. I called FLS, and after a lot of investigation I was told my account had been " reviewed '' and the reviewer had decided my original amount was incorrect and recalculated it as {$410.00}. Again, this was all without notification and consent. When the person on the phone reviewed my documentation, she determined that the amount had been right the first time, and told me it would be reinstated. However, a few days later when I got notice of the " new '' amount, which was supposed to be the old amount, it was yet another amount, this time {$360.00}. I called back, and again someone told me it would be fixed, but now it 'd be fixed too late for me to be able to pay for the month of XX/XX/XXXX. I 'm in PSLF so every month of on time payment is important to counting to my 120 payments. Also, the forbearance caused the capitalization of interest, increasing my loan amount. After complaining to at least 3 more people, I was told it would be referred to the audit department, and IF they determined it was not my fault that this had happened ( everyone I 'd spoken to agreed it was not my fault ), I 'd be allowed to make a payment sometime in the future ( she said it 'd be several months ) that could " count '' as my XX/XX/XXXXpayment, and go towards PSLF. I had to complain to several more people before it was fixed, and I am now scheduled to make my actual payment of {$310.00} on XX/XX/XXXX, but I 'm holding my breath, because who knows what will actually happen. It 's incredibly concerning that they can just go in and change the amount that 's due without any notice or consent from you. This is not the first, and I 'm sure not the last, time I 've had serious problems with this loan servicer, and every other servicer I 've ever had. The level of incompetence, lack of transparency, and customer service is mind-blowing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous dispute requests on XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX to XXXX, XXXX and TransUnion regarding the reporting of fraudulent and incorrect information on my consumer credit report. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), TransUnion, XXXX, XXXX is required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a consumer credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

TransUnion, XXXX, XXXX failure to positively verify these accounts { see page 2 }, have hurt my ability to obtain consumer credit. Under the FCRA, unverifiable accounts must be removed. 

I demand that the below accounts be removed immediately : The following account are not mine. Please remove from my TransUnion, XXXX, XXXX Consumer Credit Report. 


1. XXXX Account # XXXX Balance {$16000.00} Date Open : XX/XX/XXXX 2. XXXX XXXX Account # XXXX Balance {$12000.00} Date Open : XX/XX/XXXX 3. XXXX XXXX XXXX Account # XXXX Balance {$43000.00} Date Open : XX/XX/XXXX 4. XXXX XXXX XXXX Account # XXXX Balance {$24000.00} Date Open : XX/XX/XXXX 5. XXXX XXXX XXXX # XXXX Balance {$1800.00} Date Open : XX/XX/XXXX XXXX. XXXX Account # XXXX Balance {$11000.00} Date Open : XX/XX/XXXX 7. XXXX Account # XXXX Balance {$1600.00} Date Open : XX/XX/XXXX 8. XXXX Account # XXXX Balance {$8700.00} Date Open : XX/XX/XXXX XXXX. XXXX Account # XXXX Balance {$1900.00} Date Open : XX/XX/XXXX XXXX. XXXX Account # XXXX Balance {$0.00} Credit Limit {$1500.00} Date Open : XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted two letters to the company about to accounts that they have on my report that is not supposed to be on there and is damaging my credit. The last was dated XX/XX/2021 that was sent them I did receive some conflicting information from the response of the first letter. Both letters was dated XX/XX/2021 that I received from them. One of them stated that The count was removed and the other letter stated that they needed additional identification information. I have provided all identifying information for me and both accounts to them. I will provide supporting documentation as well.
Product: Credit reporting or other personal consumer reports

I sent a letter to remove an inaccurate late payment shown on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had fraudulent charges on a XXXX  credit card that I disputed with XXXX and they verbally agreed to reverse and then I closed the account because I had been trying to close unused cards I'd opened in the past in general, which they verbally said was no big deal. We had already paid for the charges with our autopay and so we also initiated a reverse of the charge from our banks side. 

Despite the verbal assurance from XXXX that the fraudulent charges were reversed, that wasn't true and I found out later that the autopay reversal we initiated triggered something internally for them. 

This is all over {$92.00}. Which I ended up paying, even though they are fraudulent, just because I have XXXX young kids and don't have the bandwidth to track something like this. 

Fast forward a few weeks and we are buying a new car and I get denied for one of the lenders because of {$92.00} THAT I ALREADY PAID EVEN THOUGH IT WAS FRAUDULENT. 

And I'm here now submitting this complaint because I disputed with all 3 credit agencies and my disputes have been denied. 

I paid the {$92.00}!!! And now my score is sub-XXXX for the first time since college probably for this stupidity. 

I will take XXXX to court if I can because this incenses me.
Product: Debt collection

I had a 0 % interest loan. 

I made the payment on Monday the XXXX of XXXX to pay in full. 

They informed me it was due the XXXX a Saturday. 

They say I owe them 12 months of interest now.
Product: Credit card

This account represents a clear breach of contract and is fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : CAPITAL ONE XXXX, CAPITAL ONE XXXX
Product: Credit reporting or other personal consumer reports

Transunion on purpose has broking laws against the fair credit reporting act 15 usc 1681 and I have sent in a proper FTC report to have the items removed. They have lied and made false claims that the ftc was invalid I received the FTC directly from the website. They will not let me view my report on line and has locked my file illegally.
Product: Debt collection

On XX/XX/XXXX, I received summons & complaint by USPS which was filed by either XXXX XXXX XXXX XXXX or collection agency on XX/XX/XXXX. I was never notified by correspondence about this debt from XXXX credit services or collection agency about this debt and no consideration was given since only source of income is SSDI.. From reviewing information on XXXX XXXX XXXX XXXX  was able to mail ( XXXX ) letter to the collection agency on XX/XX/XXXX through an automated website for sending documents on this matter. Then received short response letter ( XXXX from collection agency ( XX/XX/XXXX ) with few statements and credit credit agreement. I had to give my answer in XXXX XXXX court with Clerk on XXXX XXXX. Thereafter, received series mailing packets production of documents and summary judgment. In their XXXX  XXXX, according to their timeline ... claim to have sent written notice on XX/XX/XXXX ( their copy ) to my address without copy of certified mail receipt or return requested receipt and no proof/evidence about the statute of limitations on this debt. 
In any event, after reviewing their documentation realized and did not know that I can be sued without written notice and inform reporting agencies on XX/XX/XXXX that debt is not disputed but in derogatory no notation on who/whom.. In addition to this not informed about my rights under FDCPA by collection agency in any of their letters which are my counterclaims
Product: Vehicle loan or lease

I got a car from a company in XXXX of XXXX In XXXX of XXXX that company transferred my contract to another company. Ever since the transfer I have had phone calls telling me that I am late on my payments. And every time I call in to make my payments I am harassed about being late. The truth of the matter is that I have been paying a week ahead since I got the vehicle. I called the company and spoke with one of the managers and went through my original contract along with my bank statements showing the dates on which I have made payments. My first payment was due on XX/XX/XXXX I made my first payment on XX/XX/XXXX other then a week period when I have no idea that my contract had been transferred to a new company because the old one did not answer the phone I have paid every week. Once I found out who the new company was I made a two week payment to catch myself back up. The two week payment was made on XX/XX/XXXX My final payment to the old car company was made on XX/XX/XXXX. The payment on XX/XX/XXXX would have been for the Friday the following week XX/XX/XXXX. I did not make a payment the week of the XX/XX/XXXX because I did not know my contract had been transferred. When I did find out I made the payment for two weeks on XX/XX/XXXX. The new car company IDA refuses to change this in their system. They are also charging me XXXX fee to pay my bill that I can not avoid. The old car company ( XXXX ) charged no fee and was located fifteen miles from my residence. IDA is located over four hours from my residence and refuses to drop that credit processing fee. The processing fee is listed no where in my original contract. My over all experience with IDA has been lees then positive and their business practices are very underhanded. I plan on suing this company for breach of contract. As well as not informing me within the legally aloud time frame of ten days of the transfer i had to investigate myself to figure out who had my contract.
Product: Debt collection

I've never heard of Radius Global Solutions, this company continue to contact me about a debt owed that I have no recollection of. This company and I haven't had any dealings or consensual agreement.
Product: Student loan

Before the forebearance, each additional payment put toward a loan had the option to not advance the due date. Now, that option is not available when making an extra payment. Now, theres a separate area of the website you have to navigate to in order to select the option to not advance payments. 

The problem is, when I try to select the box to not advance my payments, I get an error message saying, Sorry, theres been a problem and it is unable to process my request. I have tried refreshing, logging out and back in, and using different devices and it says the same thing every time. I have tried on multiple different occasions over 4 weeks and the same issue arises every time. 

I called customer service to have them help with the issue, and I was told they would submit a form but they would not be able to address the issue for 6+ weeks. Meanwhile, interest accrues daily. When asked if I would be made whole in regard to the interest, I was told no. 

I am filing this complaint because I have exhausted all other avenues for a satisfactory resolution. Nelnets actions here are at best unprofessional, at worst predatory, and overall unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an  XXXX  credit card with  XXXX   XXXX  and in  XXXX  my credit limit was increased from {$300.00} to {$1000.00} and the credit limit increase has not been reflected correctly with Transunion or  XXXX  fast the past few months. I have called  XXXX   XXXX  for the past 2 months and they told me it was reported correctly but the latest update to the credit bureaus on  XXXX   XXXX ,   XXXX   still reflects a credit limit of {$300.00}. I have sent online disputes as well as a dispute vi a US m ail to  XXXX  credit bureaus and the response from   XXXX   credit bureaus indicates the credit limit they are reflecting is what  XXXX    XXXX    submitted which is {$300.00}. I am getting conflicting information from  XXXX   XXXX . I am just simply asking that my credit limit be recorded and reflected correctly which is a credit limit of {$1000.00}.
Product: Credit reporting

Wrong address, I have been at the same address for 45 years. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Il XXXX I have never lived at XXXX XXXX XXXX XXXX Il XXXX, however my soon to be X HUSBAND lives there with his girlfriend. How did this address change?
Product: Credit card or prepaid card

I was to receive paper copies of the bill and never received - as it started going paperless- I did not want paperless statements. There were several times when attempting to make a payment that the system was down and I have a few records of this and would like to request information from the company when their payment system was down to demonstrate their culpability. Due to their errors and system glitches ; I was unable to make the payment. 
Life as a busy person, I inadvertently was not able to make the payment when intended and as it should be excepted for the consumer. I would like a record of the time their system has glitched which prohibits consumers from making payments. In addition to this, not having a hard copy of a bill with a very small balance resulted in back interest fees exceeding XXXX dollars when I thought the small balance was paid off on XX/XX/2022. This company has not taken responsibility for their errors in this and has created the consumer to bear the full responsibility for THEIR errors. This seems criminal and negligent on their part to create all these situations to cash in on unsuspecting consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I lived in the XXXX at XXXX XXXX community until I sold my home in XX/XX/XXXX. XXXX XXXX, the owner of XXXX XXXX XXXX was our property manager. We only had XXXX boardmember who was strongly influenced and by the XXXX XXXX was the primary person who conducted the HOA meetings even when it involved new plans for the community and speaking with the boardmember. She overstepped her boundaries. In XX/XX/XXXX, she sent homeowners a letter request to meet to vote on a special assessment for property they told us we had to accept even though we strongly stated we didnt want it. The assessment would be {$100.00} for a XXXX time increase in HOA dues for XXXX to pay taxes and survey land. The land was surveyed during development by XXXX XXXX, XXXX. The vote didnt pass, but they enforced it any way. Our covenant/bylaws states the board is allowed to accept property, but not if it will adversely effect homeowners. It also states there has to be a majority vote for special assessments. This property was owned by the developer who was unable to maintain it or the taxes so he XXXX deed it to us for {$1.00}. The problem with it, the lake had environmental issues and the taxes were over {$5000.00}. I went to the court house to research the property. Thats how I learned of the XXXX Deed. They went behind our back, accepted the property and filed it at the court then came to us months later trying to coerce us into going alone with the acceptance and vote for the assessment under false pretenses. The land was not legitimate so they were not valid in collecting money for something that didnt belong to us. The lawyer the XXXX hired was going to the courthouse checking, he had just left XXXX day I went and the clerk said he had been there asking about the transfer. He was still carrying the story they needed the {$100.00} for the property until I addressed it in our XXXX HOA meeting. Then, he admitted it wasnt transferring, but the money would go into a special assessment account for emergency repairs. Taking advantage of homeowners! Because it was not worth paying an attorney, I resolved the {$100.00} balance with them when I got ready to sell. I pulled my credit report recently and noticed XXXX and their attorney/Account Collects person reported negative information on my report in XX/XX/XXXX. The developer never signed our community up with XXXX. XXXX tried to sell us on why it would be beneficial to join XXXX and she said it was required by XXXX law for all HOA who were not at member to join now. She was trying to give herself collection power amongst other things. We never voted and our covenant/bylaws require a majority vote for such action. The only way they can make this type of change is to bring us into compliance with regulatory guidance and that was not the case.
Product: Checking or savings account

I opened a PMA checking and brokerage account with  Wells Fargo  in  XXXX .   I had  XXXX  checking account, a credit card and ATM card at that time.     At some point in  XXXX , inexplicably, a second checking account appeared on my statements. I believe this account was opened as a result of the fraudulent and unauthorized accounts opened by  Wells Fargo em ployees pressured to meet sales goals, which has been addressed in a class-action lawsuit against  Wells Fargo.  I am not part of the class-action case. Mysteriously, the second checking account was removed from my PMA account in  XXXX   XXXX . I had met with a  Wells Fargo empl oyee in  XXXX   XXXX  on  XXXX   XXXX ,  XXXX  to provide more information regarding a fraudulent transaction which took place on  XXXX   XXXX ,  XXXX .
Product: Credit reporting or other personal consumer reports

i looked at my credit report in XXXX and noticed some things are incomplete and not accurate, and according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about the whom the report relates to. These 3 accounts from : XXXX and XXXX - XXXX, XXXX and XXXX - XXXX, and XXXX and XXXX - XXXX, are not complete and accurate. 

According to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and many other violations, this reporting agency has not been properly verified and it is the credit agencies jon to report information accurately and completely, which they are not doing, so these need to be removed. 

I was affected by the Experian credit breach that occurred. My account and data were compromised, which resulted in different issues with my Experian credit reporting. The main one is that accounts are reporting incorrectly affecting my ability to access funding and approvals. 

XXXX and associates removed all 3 collections from my credit report, then less than a year later, after the data breach, it came back on. Then I requested debt validation information from them and they were NOT able to provide the name of the original creditor, the total amount owed, the date the debt originated, details of the account including any relevant transactions, and a copy of any documentation supporting their claim of the debt being yours. This affects how my household is not being approved for outside loans and lines. This needs to be addressed and DELETED asap! 

Plus this account is displaying an incorrect high payment, payment history, amount due, and has no date of last payment. And this is on all 3 accounts incorrectly. 
Account numbers : XXXX, XXXX, XXXX All of these are incorrect and need to be removed As you can see I have been dealing with them and this for years and I am tired of it now. They are screwing up the possible progress and buying power in my life for inaccurate and incomplete information. 

Thank you for your time, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Transunion is furnishing inaccurate information on my credit report which is violating my rights as a consumer and causing harm to my personal life. As of XX/XX/XXXX, as listed on my most recently reviewed consumer report, there are 3 fraudulent/unauthorized inquiries that were not made by me the consumer. 
One inquiry was made by XXXX XXXX XXXXXXXX on XXXX XXXX. 
One inquiry was made by XXXX XXXX on XX/XX/XXXX And one inquiry was made by XXXX XXXX on XXXX XXXX, XXXX. 
I do not have any personal credit cards with either company XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), nor have I ever applied for one or given them consent to pull my credit. 
Not only have I never given Transunion any form or written or express consent to publish this information on my credit report, they DO NOT HAVE CONSENT to furnish this information on my credit report and are causing damage to my personal life in doing so. 
They are also violating the FCRA and are liable for the damages should they continue to furnish this inaccurate and harmful information. 
At this point, according to the FCRA, these damages are totaling several thousand dollars and I will pursue this remedy through the courts should Transunion refuse to comply with the law and remove these inquiries. 
I have already disputed with them directly over this matter as well. I have already informed them on record that this information is fraudulent/inaccurate and that they do not have consent, yet they continue to furnish it in violation of the law. 
I expect this information to be removed from my credit file immediately. 
Thank you for your help and cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries from your bank that i did not authorize..These inquiries were made by my ex wife without my knowledge or consent XXXX XX/XX/2017 & XX/XX/2017 XXXX XX/XX/2017 XXXX XXXX XX/XX/2017
Product: Checking or savings account

On XX/XX/23 I tried to make tax payments from my account at Bread Financial ( Comenity bank ) for Federal taxes, New York State taxes, and California state taxes. I checked back daily to my bank account to see when the payments were made, but nothing happened. I got no notice that any payment was rejected, or that is was pending for any reason. The payments were never made from my account. I still as of XX/XX/23 have no notice of why the tax payments were not made or were rejected. I called Bread Financial on XX/XX/XXXX in order to research the issue. The customer service rep could not tell me anything, then put me on hold for 15 minutes and hung up on me.

Because the payments were never made I will likely be charged late fees and interest from Federal and state tax authorities. The only record I have of the payments being rejected is from the IRS and state tax authorities. There is nothing on Bread/Comenity 's website that says that they will reject tax payments, and no explanation as to why I couldn't have used this account to pay my taxes.